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WATCH FOR KIDS IN HOT VEHICLES, ESPECIALLY YOUR OWN

WATCH FOR KIDS IN HOT VEHICLES, ESPECIALLY YOUR OWN

Maybe it seems pretty temperate out. Not enough for the air conditioner, maybe just roll down the windows. Of course, there’s no way you could ever forget your precious little person in the car seat when you park to shop at the mall, right? Sadly, most people believe that until they accidentally leave their baby or small child in the car and return to a horror show. It’s not just kids being left in vehicles by their caregivers. We all know that youngsters are natural explorers and like to pretend. A vehicle provides a wealth of possibilities for fertile minds, but self-locking doors and trunk lids accidentally closed can quickly Learn more
MEMORIAL DAY WEEKEND – TIME TO HIT THE ROAD!

MEMORIAL DAY WEEKEND – TIME TO HIT THE ROAD!

There is nothing like a long weekend to give you an itch to take a nice long drive. There’s going to be a beautiful weather and everyone is ready to pack a bag, jump in the car, and see where the road takes them. Of course, “everybody” means everybody. If you think you will be alone on the highway this weekend, think again. The Automobile Club of Southern California (www.calif.aaa.com) projects the biggest Memorial Day Weekend travel holiday since 2005 among SoCal residents. The motorist organization expects 2.89 million Southern Californians and 4.67 million statewide are expected to take a long weekend getaway – a 2.5 percent increase over the Learn more
PROTECT YOUR FAMILY’S FINANCIAL WELL-BEING

PROTECT YOUR FAMILY’S FINANCIAL WELL-BEING

The sudden death of the primary financial provider can be devastating to a family.  Besides losing a beloved family member, the fiscal hole left behind can put their entire livelihoods at risk. One way to make sure this doesn’t happen is with life insurance. But choosing the right type and amount of life insurance is key to a sound financial plan for many people—but how can you determine whether you need it? The Insurance Information Institute (www.iii.org) offers these reasons for obtaining life insurance – If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is Learn more
MAKE INSURANCE SAVINGS A PART OF YOUR START-UP PLANS

MAKE INSURANCE SAVINGS A PART OF YOUR START-UP PLANS

Before you make the decision to start your own business, it’s important to look at all of the up-front costs as well as monthly expenses you will have. Some costs are static and unchangeable, others can be manipulated. Insurance coverages fall into the latter category. With a little understanding of how companies determine premiums, you can reduce your insurance costs significantly. The key here is to understand how insurance companies determine premiums. The Insurance Information Institute (www.iii.org) has some good advice for every fledgling entrepreneur regarding these factors. Here is a condensed version: Type of business — How is the business legally structured? Are you a sole proprietor or an Learn more
GETTING READY FOR THE “BIG ONE”

GETTING READY FOR THE “BIG ONE”

Over the past several decades, Southern California has been struck my numerous earthquakes. Some, like the ones in Napa and Northridge, are large. Others are midrange, and most are relatively small magnitudes. But according to a recent study, we can expect something like a magnitude 8.0 in the near future. To put that in perspective, the Northridge event was a magnitude 6.7. Earlier this month, experts from around the world met at the National Earthquake Conference in Long Beach. The San Andreas Fault was a big topic of discussion According to Thomas Jordan, director of the Southern California Earthquake Center, it is “locked, loaded and ready to roll.” Anyone who Learn more
MAKE SURE YOUR POOL IS INSURED

MAKE SURE YOUR POOL IS INSURED

Here comes summer! People splashing around in the pool, burgers sizzling on the barbecue, and enjoying a tall, cool one in the sun. There is nothing like a backyard pool party, which is a big reason why you either have your own swimming hole or are planning to have one ready for pool season. But before you get out the floating chairs and water polo nets, you may want to take out your homeowners or renters policy. First off, be sure your insurance company knows you have a pool if you do. Not listing it on your homeowners policy will probably result in a denied claim should you file one. Learn more
INSURANCE AND YOUR TEEN DRIVER

INSURANCE AND YOUR TEEN DRIVER

Much like eating lunch off-campus and going to the prom, getting a driver’s license is a rite of passage for every high-schooler. No more asking for rides (they think), with that little rectangle of freedom, they can come and go as they please. At least for a little while, this independence will be dependent on your car. You fully expect your wallet to take a hit at the gas pump, but what about on your insurance premium. Does your young driver need to be added to your auto coverage? Nearly all insurance companies require that all members of your household that are licensed drivers be added to your auto policy. Learn more
SHOULD YOU BE LOOKING AT COLLISION COVERAGE?

SHOULD YOU BE LOOKING AT COLLISION COVERAGE?

Auto liability insurance will cover personal and property damages you cause while driving your vehicle. It is mandated by the state of California and all but a few drivers should carry above the minimum limits. There are also coverages like uninsured and underinsured motorist, which applies in cases where the other drive doesn’t follow that last piece of advice. Then there’s the coverage – collision —  that applies to your vehicle should it be damaged but not covered under another driver’s liability insurance But what does it cover, and is it worth it? Collision insurance covers some or all repairs or replacement costs to your vehicle due to an accident Learn more
CONTENTS COVERAGE: WHAT DOES IT REALLY MEAN?

CONTENTS COVERAGE: WHAT DOES IT REALLY MEAN?

If you have full coverage auto insurance, you have contents coverage. You probably think that means anything in or on your vehicle is covered if stolen. That awesome new entertainment system or those killer rims: all taken care of. Well, that’s not exactly the case. Most people know that if your vehicle is stolen, the theft coverage from your auto insurance will help pay to replace it. The contents are a different story. The comprehensive portion of your auto insurance is what pays for non-accident-related losses. Unfortunately, the coverage only extends to the vehicle itself and not its contents. If you leave personal property in your vehicle, such as a Learn more
DON’T BE SURPRISED BY DEDUCTIBLES

DON’T BE SURPRISED BY DEDUCTIBLES

You decide on an insurance policy, hash out the details with your agent/broker, and pay the premium. After that, you don’t really give it a second thought until you need to file an insurance claim. Then the deductible rears its ugly head. In some cases a deductible does not apply, in other cases it does. So to refresh your memory… Here is how it works: if you have a $500 “dollar deductible” and a $2,000 claim, the insurance company would pay you $1,500 ($2,000 – $500). This type of deductible is common for auto insurance and homeowners insurance. “Percentage deductibles” are calculated differently. In the case of a homeowners insurance Learn more