Eastern District Court Rulings show that California Courts Strictly Interpret Insurance Policies
Posted on February 16th, 2012
Reading an insurance policy can be extremely cumbersome to almost anyone. Many times it feels like the language is muddled and the policy is written in a foreign language. It may be even more disconcerting to an insured to find out that the courts do their best to strictly interpret insurance policies when a breach of contract claim arises between an insured and the insurance company. After all, what did the policy say in the first place? In California, we are fortunate because the law is clear. The law says that when the language of a contract (in this case the policy) is ambiguous, the ambiguous language must be construed against the insurer in favor of applying coverage to the claim.
Specialty Vehicle Insurance
Posted on January 16th, 2012
Most motorized vehicles that do not qualify for a standard auto policy fall under the purview of specialty vehicle insurance. Specialty vehicles are typically licensed, but they may or may not be used on public roads. Examples include recreational vehicles, snowmobiles, golf carts, ATVs, and scooters. These vehicles are just as capable of being involved in an accident as standard automobiles, which is why most carriers offer the same sorts of protections that come with a traditional policy. Below, you’ll find the answers to some of the most commonly asked questions about this unique form of coverage.
When carriers refer to recreational vehicle insurance, the policy will typically cover vehicles like motor homes (Classes A-C), campers, and motor coaches.
Tags: Insurance, Specialty Vehicle, Specialty Vehicle Insurance, Vehicle Insurance
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Important Guidelines for Business Car Insurance
Posted on January 2nd, 2012
There is a huge difference between private car insurance from a business car insurance even if the driver is using his or her car for private and for business purpose. Many car insurance companies suggest a car owner to get normal personal insurance for their car if there is only one driver who is driving the car, but business car insurance is much better if its specialized coverage.
For example, if you are an owner of a small logistic enterprise that deliver goods, then the car that will carry out the delivery will be handled by different individuals. If you are handling hazardous or a high risk item like a chemical substance and the car encounter an accident while transporting this item, then business car insurance can save you from huge trouble.
Tags: Business Car, Business Car Insurance, Car Insurance, Insurance
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High Risk or SR22 Insurance
Posted on December 7th, 2011
Also known as non-standard car insurance, high risk auto insurance is a specialized type of coverage intended for drivers who represent an above-average claims risk. Such drivers might fall into a high-risk age group, have a history of repeated moving violations or accidents, or have had their driving privileges suspended or revoked due to a drunk driving or other serious violation. Colloquially, you might hear high risk car insurance referred to as SR22 insurance, although the latter is actually a misnomer. As we will explain below, there is technically no such thing as SR 22 insurance—the term just reflects a conflation of high risk policies with the concept of an SR 22 form.
Usually, when drivers refer to SR22 auto insurance, they really mean high risk, or non-standard, auto insurance. T
Tags: High Risk, Insurance
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How to Get the Best Deal on Car Insurance
Posted on December 2nd, 2011
Car insurance is a pre-requisite to get a license and drive a car. Agreed! But where and how to get a best deal on car insurance? Don’t worry, I’m here.
Remember, auto insurance varies with the insurance agency, your driving record and the type of the policy you want to buy.
If you are looking for affordable auto insurance then read right on.
You can actually reduce your monthly car insurance premiums without giving up the insurance coverage (services insurance company provides) significantly.
Affordable Car Insurance = Lowest Premium + Highest Coverage
This is the most sought after combination but how do we get this combination right?
Simple. Thi
Tags: Best Deal, Car Insurance, Insurance
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Dos and Don’ts after Car Accident to Claim car Accident Insurance
Posted on November 22nd, 2011
If you have suffered from a car accident, then the next thing that you want to do is to claim for car insurance for fix all damages incurred by your vehicle can also give you financial assistance for your personal injury. Right before you contact your car insurance provider, there are important steps that you need to do to help you make sure that you will not face any problem in claiming for your car insurance.
Tags: Car Accident, Insurance
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The importance and need of auto owners insurance
Posted on October 25th, 2011
Auto owner’s insurance is something that is needed not only by the requirements of the law but also for the general monetary well being of a car owner. When a person invests in buying a car, the person obviously feels a need to do everything that can be done in order to keep the car safe and to ensure that no harm or damage come to the car. However careful a person may remain, there are certain things that cannot be controlled and the car may get damaged. The reason for the damage could be a road accident due to the carelessness of another driver or a natural calamity in which the car may get damaged. These are things that are not in the hands of a person and they occur unannounced. T
Tags: Insurance
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