Hi. I currently live in San Francisco to go to school, and in a few days, I’d leave to drive home to Los Angeles for my winter break.

So my car’s insurance card expired a few days ago, and there isn’t enough time for my father to send me the new (valid) insurance card and for me to receive it before I leave. (So when I drive the 400+ miles home, I won’t have a valid auto insurance card on me, though my coverage would be active & paid for.)

(For some reason) I know that in other states, if you get pulled over and don’t have a valid proof of car insurance when asked by the law enforcer, that you can get your license revoked/suspended and/or car impounded & it’s a nasty hole in your wallet.

Is there any way I can temporarily get around the California law?

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I am about to buy a house and I got to have Ins. I just need to get the best deal. Whats your opinion?

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I am wondering if anyone as received what is called replacement value? If the insurance awards for example 10.000 dollars for lost items and a few weeks later they give you what? a check? cash ? credit card? then you have lets say 80 days to spend all the money , then you spend it and you purchase all items back. After you Summit all the receipt to the insurance company are you aloud to go back to store and bring item back and keep the cask? please someone answer me

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We are purchasing our second home while we maintain the first one as a rental property. The home we are purchasing is 5,000 and was built in 1974. A simple search of real estate listings in our city shows that a new home in a nicer neighborhood (much larger, actually) can be purchased for 229,000 or less.

So far, all the home insurance companies are giving me quotes with a replacement value for my home ranging from 229k-249k. How is it possible that replacement costs for my older home could higher than purchasing a brand new home with more square footage in a better neighborhood? Is there a method of disputing these findings?

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If these companies are a true Capitalist business with real competition instead of Monopolies. Then they should be fighting for my business. Shouldn’t they?

Why is my Government putting a gun to my head and saying you have to buy this crap. These businesses should be ashamed of themselves. They only want people who pay them big bucks.

This smells like a freaking Monopoly to me. If these insurance companies are using legislation to get my business then they just don’t have enough competition.

If the Government allowed me. I would start my own insurance company and take every single one of their customers and put them all out of business. Too bad we don’t live in a free society that would allow me to open a small business and put these frackers out to dry.
Well nobody wants it cause its too expensive and they never wanna pay for nothing when you get sick. That is why no one wants it. That is why making people buy it won’t help.

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Today, a guy called me that he was asked by the Insurance company that already given policy us and we already paid for it. He said the insurance company asked him to inspect our house. Is this normal? Anybody has this thing going?

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I’m a Licensed Real Estate Broker doing home sales and financing with 6 employees. What’s the best way to protect myself in California’s litigious market?

E&O Insurance?
LLC?
S-Corp?
Combinations?

Any info is greatly appreciated!

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They don’t object but refuse to help. This child has been living outside of their household for over a year with a friend. State is Maryland.

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… from the hospital?

(During the rest of the time, you pay a very tiny fine for not having insurance.)

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I recently wanted to get a better rate for my house insurance because my boyfriend and I were on the same policy from before and he had a repo that raised our rate almost 300 bucks (even after 14 years with the same company and not one claim), rediculious. I’ve been calling around and it seems each company has a reason to quote a high rate or refuse coverage. 1 says we have to many cars on our property (all are registered and currently insured elsewhere), 2 says we have too many chihuahuas and will not insure us, 3 says our above ground pool is a danger (even though it is under lock and key, 4 says they won’t insure me as a stay at home caregiver to a disabled parent. What can I do without being screwed. I have owned homes for 18 years now and never once had a claim yet my rates continues to sore, why, why, why???
Thanks mbrcatz,
Our dogs are ours and not breaders or rescues, they are ours and we love all and they are all fixed. Your right on the pool and a great observation, the cars are all used, all run, we only drive two at any 1 time so I still don’t see your point there. I have cared for my mom since age eight and it is not a business at all it is my life.

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