DO DRONES NEED INSURANCE?

  For the past few years, it seems like the news has been filled with drone stories. Not the armed military types, but those available to civilians. Supposedly, Amazon is going to create a drone army to deliver merchandise. Dominos will soon be using drones to deliver piping hot pizza right to your door (no…

WHY GET RENTER’S INSURANCE?

You’re only renting. Maybe it’s your first apartment, maybe you’re an empty nester downsizing to a smaller house, maybe you are just checking out the community before you buy. Either way, the property doesn’t belong to you. Plus, the landlord has to have homeowner’s insurance, and that will cover your stuff, too. Right? WRONG! Obtaining…

WHAT ARE MINIMUM AUTO INSURANCE LIMITS?

In order to legally drive a vehicle in the state of California, operators must carry a minimum amount of insurance coverage. These “minimum limits” are  $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property. For qualified drivers, the California Low Cost Auto Insurance Program…

LET YOUR UMBRELLA BE A SMILE

A column in Daily Finance (www.dailyfinance.com) posed this scenario: “While its easy to assume that only a rich person could need that much insurance coverage, you’d be surprised at how important an umbrella policy can be for an average member of the middle class. For example, if you have a car insurance policy with liability…

IS A RED CAR A POLICE MAGNET?

There have been numerous debates on whether a red vehicle is more likely than another color vehicle to be pulled over. Some claim that driving a red car will result in higher insurance premiums. The answer is the color of your vehicle does not have anything to do with your likelihood of being pulled over…

DRIVE SAFE IN THE RAIN AND SNOW

As we await the next round of winter storms here in California, the last one reminded us why we need to take extra care and drive safely during and after a rain or snow storm. According to the Federal Highway Administration, Nearly one-quarter of weather-related vehicle crashes occur in bad weather like rain, snow, winds,…

CHECK YOUR COVERAGE BEFORE THE SNAP

You’re all set with your Broncos or Panthers gear. Plates, cups and napkins have already been bought and all your Super Bowl invitations have been sent. But before you go pick up the chicken wings and hamburger rolls, be sure some other paperwork has been checked. That is, your insurance policy, specifically, your homeowners or…