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Covered California
IIHS issues first crash avoidance ratings under new test program; 7 midsize vehicles earn top marks for front crash prevention
What is a Non-Owners Policy and when is this coverage appropriate?
Nissan plans to begin selling self-driving cars by 2020
California SR-22 Insurance

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Covered California

 
Covered California is the state’s marketplace for the federal Patient Protection and Affordable Care Act. Covered California, in partnership with the California Department of Health Care Services, was charged with creating a new health insurance marketplace in which individuals and small businesses can get access to affordable health insurance plans. With coverage starting in 2014, Covered California helps individuals determine whether they are eligible for premium assistance that is available on a sliding-scale basis to reduce insurance costs or whether they are eligible for low-cost or no-cost Medi-Cal.

IIHS issues first crash avoidance ratings under new test program; 7 midsize vehicles earn top marks for front crash prevention

ARLINGTON, Va. — A new test program by the Insurance Institute for Highway Safety (IIHS) rates the performance of front crash prevention systems to help consumers decide which features to consider and encourage automakers to speed adoption of the technology. The rating system is based on research by the Highway Loss Data Institute (HLDI) indicating that forward collision warning and automatic braking systems are helping drivers avoid front-to-rear crashes.
The Institute rates models with optional or standard front crash prevention systems as superior, advanced or basic depending on whether they offer autonomous braking, or autobrake, and, if so, how effective it is in tests at 12 and 25 mph.

What is a Non-Owners Policy and when is this coverage appropriate?

Nissan plans to begin selling self-driving cars by 2020

IRVINE, Calif., Aug 27 (Reuters) - Nissan Motor Co Ltd said it will be ready to bring fully self-driving vehicles to market by 2020.The Japanese automaker said it plans to offer "multiple, commercially viable" vehicles that are capable of autonomous operation without driver input.The self-driving vehicles will be sold "at realistic prices for consumers," the company said at a media event in Irvine, California.Nissan said its goal is to offer autonomous cars "across the model range within two vehicle generations" - about 10-12 years after the projected 2020 launch.The company said it has been researching and developing autonomous vehicles "for years" with such top universities as Massachusetts Institute of Technology, Stanford, Oxford, Carnegie Mellon and the University of Tokyo. It is building a dedicated test track in Japan for autonomous vehicles that will be completed by next spring.Google Inc, the Internet search leader, launched an autonomous car program in 2010 and has built and is testing several different versions, including one based on Toyota Motor Corp's Prius.

California SR-22 Insurance

What to Do When You Need an SR-22                                                                                                   

Traffic Tickets and Auto Insurance Rates

 
Every company has a different policy when it comes to traffic tickets. Some will raise your rates for three years, and others may apply a surcharge for the first year―one that will be removed if you have no more speeding tickets or other traffic infractions on your driving record.
When you get a traffic ticket, however, it's good to have a positive relationship with your insurance company. Many car insurance companies won't raise your rates after one ticket if you've been a loyal customer with a previously clean driving record.

Using your personal vehicle for business?

Using your personal vehicle for business?
 
Not all auto insurance is the same. A personal auto insurance policy generally won’t cover damage to your car if you’re using it for business purposes.
 
Even if your personal policy has “business-use” coverage, you may find yourself at a loss when an accident happens, especially if your liability limits are not high enough to cover the damage. Make sure you’re protected.
 
Call your insurance company or independent agent and ask these questions:

California Uninsured Motorist Coverage Description

California Uninsured Motorist Coverage Description
 
Uninsured Motorist Property Damage (UMPD), Collision Deductible Waiver (CDW) and Uninsured Motorist Bodily Injury (UMBI) are commonly purchased coverages; however, many customers do not really understand what their premium dollar is buying.  As producers, it can be challenging to explain the benefits and conditions that trigger these coverages.  This short explanation is not intended to replace the policy language or to consider all the possible coverage triggering events, rather it is offered as a simplified guide to help understand and explain these coverages to your valued customers.

What is Permissive Use of an Automobile and How Does it Affect Insurance Coverage?

 
Literally, permissive use occurs when one person allows another person to use something they legally possess.  In the case of a personal automobile this means that a vehicle owner permits (allows) another person to drive their vehicle.  However, from an insurance perspective, the fact that a driver has the permission of the owner to drive a vehicle does not necessarily mean that the permissive user or vehicle will have the same coverage, if any, as the named insured.  If I allow my son to drive my vehicle is he a permissive user?

Take Advantage of Low-mileage and Safe-driver Discounts

Some motorists receive a low-mileage discount from their insurers for driving a lower than average number of miles per year. These discounts also often apply to drivers who carpool. And, if you're a safe driver, and you have not had any accidents or moving violations in a number of years, many companies will reward you with a safe-driver discount. If you've recently taken a defensive driving course, you may also receive a price reduction.
 
To save money on your insurance premiums, business auto insurance is something to ask about. You may be eligible for insurance through your employer, or through professional or business groups and other associations you are involved in. You should also closely monitor your credit rating because your credit may affect the price you pay for insurance. No matter what, always shop around and compare prices. This is the most effective way to save money on auto insurance!