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…
Posts Categorized In: Insurance and Claims FAQ
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…
FAQ: When is it an occurrence?
Q: When does an occurrence occur under a completed operations coverage? A: It occurs when the loss occurs. Until a loss occurs, a mistake or an error, is nothing more than that. However, once an injury occurs, than it becomes…
FAQ: Uninsured motorist coverage and waivers
Q: I do not want uninsured motorist coverage. What do I have to do? A: You MUST waive uninsured motorist coverage in writing. The law requires that every insurer offer you uninsured motorist coverage. If you do not want it,…
FAQ: Does being sued hurt you?
Q: I caused an accident and my insurance company did not settle. Is being sued going to affect me? A: Maybe. Is it going to affect your day to day life? Probably not. Here are a few ways it can…
FAQ: Whose name goes on the check?
Question: I got in an accident. Whose name goes on the check? Answer: The named insured MUST be listed on the check under 99% of circumstances. If the car is repairable, the insured’s name must be on the check. If…
FAQ: What are economic damages?
Q: I have heard that I can recover economic damages after an accident. What does that mean? This comes up primarily in the area of Prop. 213 cases. As you know from reading this blog, if you fall under Prop….
FAQ: What is the difference between rental and loss of use?
Okay, so your car is damaged in a car accident. You can’t drive it and it is in the shop. You think you are entitled to a rental car (because you read this blog, you know you are entitled to…