Q: I do not own a car. I think I should have some type of insurance in case I drive someone else’s car. What do I do? A: You do not NEED your own policy, but you should look at…
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FAQ: We have some dirt bikes. Do we need insurance?
Q: We own a couple of dirt bikes. Do we need insurance for these? A: Dirt bikes need comprehensive and collision coverage, just like you would have on a car. You should probably also get med pay or medical payments…
Hurricane Katrina Update
So, a few news stories about Hurricane Katrina: A congressman from Mississippi has called for an investigation of the claims practices of insurers; Opening statements started in a case against State Farm for their claim handling; State Farm has decided…
California Debt Blog: FAQ: How do I get a copy of my credit report?
Q: I heard I can get a free copy of my credit report. How do I do this? A: There are three ways you can get your credit report for free. You should thank our government for this. In 2003,…
California Debt Blog: FAQ: How long is the statute of limitations?
Q: How long is the statute of limitations on my debt? A: It depends. There are two factors: the type of debt and the state you are in. Since I am in California, I will tell you the statutes for…
California Debt Blog: FAQ: What do I do if I am contacted about an old debt?
Q: I have a really old debt. What do I do if I am contacted about it? A: Some collection agencies will contact you about old debts. They are trying to get you to pay it even if the statute…
California Debt Blog: Hospitals Showing More Patience in Collecting Debts
In good news for consumers, hospitals are showing more patience in collecting debts. Hospitals used to lien people’s homes, levy bank accounts, and take heavy handed approaches to collecting debts. Then, people started getting upset. There have been lawsuits, including…
FAQ: How do I insure my college kid?
Q: My kid is at college full time. He comes home for winter break, spring break and a few weeks in the summer. He has no car at college. How do I get him insurance for when he is here?…
FAQ: I own a boat. What insurance do I need?
Q: I own a boat. What insurance do I need? A: A boat policy, of course! A boat policy is similar to an auto policy. It provides first party coverage (ie payment in case the boat is damaged) and third…
FAQ: My car caught fire. What now?
Q: My car caught fire. I put it out but it might be a total loss. What now? A: A fire is a comprehensive claim (sometimes called “other than collision” but if someone uses that term with you it means…