ASKED EVERY DAY
- AUTONo accidents, no tickets: why did my California car insurance renewal jump? What can I do?The two kinds of increase, and 5 things to do before you renew.
- HOMEMy roof is old, so the insurer will only cover it at ACV, not replacement cost, and my lender won't accept that. What can I do?Why only ACV, what the lender needs, and four solutions.
- CLAIMSI just had a car accident in California. What should I do first?8-step scene checklist, SR-1, whose insurance to use, towing and rental.
- AUTOMy parents are visiting from China. Am I covered if they drive my car on a Chinese license?Short visits vs living with you, and what to prepare before they drive.
- AUTOA friend drove my car to Yosemite and crashed. Whose insurance pays, and how is fault decided?Borrowed-car accidents, household drivers, excluding a driver.
MORE QUESTIONS
- CLAIMSAfter an accident, the other driver says they will sue me or wants cash. What do I do?Notify your insurer, don't settle privately, how liability coverage helps.
- HOMEI'm buying a home in a California wildfire area and can't find insurance. What can I do?FAIR Plan plus DIC, roof and solar panels, lender requirements.
- HOMEDoes California home insurance cover earthquakes? How much is paid if my designer bags or jewelry are stolen?Earthquake coverage is separate; valuables need to be scheduled.
- LANDLORDHow should I insure rental properties, Airbnb units and homes owned by an LLC?Landlord policies, short-term rental risk, LLCs and umbrella.
- BUSINESSI don't understand the insurance requirements in my commercial lease. What do I need?CGL, additional insured, COI, and whose name to insure under.
- AUTOI just got my California license. Why is my car insurance so expensive?Driving experience, foreign licenses, ZIP and vehicle, what to prepare.
- POLICYWhat should I watch out for when switching insurers or cancelling a policy?New first, then cancel; refunds; after selling a home or a total loss.
- AUTOMy catalytic converter was stolen: why, will insurance pay, and how do I prevent it?Why it happens, how comprehensive pays, what to do and prevention.
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