California Court Bans Checking Maps On Your Phone While Driving

Written by on 4/8/2013 2:35 AM . It has 1 Comments.

In California, you can now be pulled over for using the map application on your smart phone while driving. Building upon California’s current ban on texting while driving, an appellate court in California v. Spriggs argued that the "distraction would be present whether the wireless telephone was being used as a telephone, a GPS navigator a clock or a device for sending and receiving text messages and emails." These distracted driving laws have a mixed history of effectiveness. In 2010, a study in the American Journal of Public Health found that "Any reduction in accidents following texting bans is short-lived, however, with accidents returning to near former levels within a few months." The most recent study, however, found that such laws are "moderately successful," but only if they are strictly enforced. The study, to be published in next month’s American Economic Journal: Applied Economics, only looked at scenarios where the blame could be squarely placed on (digitally) distracted drivin ...

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2012 "Quote For A Cause" Charity Initiative

Written by on 5/28/2012 6:11 PM . It has 0 Comments.

There’s an age-old saying that has been passed down from generation to generation... “It’s better to give than to receive.” You’re parents probably instilled this in your brain throughout your childhood, right? Well, throughout 2012, you have the opportunity to make your parents proud and give back to the community. Here’s two ways for you to help... When you generously send us a referral, in addition to the $10 Starbucks card and automatic entry into our monthly and quarterly prize drawings, we will also contribute $10 to the 2012 “Donation Fund” on your behalf.  Or... When you request a quote on any additional insurance needs that we don’t currently handle for you (auto, home, renters, condo, motorcycle, RV, boat, life, health, business, umbrella), we’ll also contribute $10 to the 2012 “Donation Fund” on your behalf! Then, in November, we will be donating all money raised to 4 local charities that raise awareness ...

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10 Key Ingredients For Home Safety

Written by on 5/15/2012 5:09 AM . It has 0 Comments.

When's the last time you really took a close look at the safety of your home?  If it's been over a year, you should think about doing a safety makeover throughout your home.  All it take is a little time and a lot of common sense. Here are 10 key ingredients: Do a walk-around survey to identify and resolve risks – things like loose window catches and other fittings, slippery floors and rugs, unsecured cabling, floor obstacles and sharp edges. Do the same thing around the yard, checking for fall hazards, security of equipment and proper safeguarding around swimming pools. Check (and replace if necessary) smoke and carbon monoxide alarms. If you don't have alarms, install at least one on each story of your home. Ensure all gas appliance, fires and clothes drier venting is clear. Check, restock or buy a good first aid kit. Better yet, have two. Make sure all dangerous tools, from kitchen knives to garage equipment, are securely out of the reach of youngsters. ...

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Is Lost Luggage Covered By My Homeowners Policy?

Written by on 11/9/2011 4:44 PM . It has 0 Comments.

Here at Sun Pacific, we get a number of insurance questions.  From time to time, some of the questions stand out so much that we feel the need to publish the answers, so that you can stay informed as well.

Last week, one of those popular questions showed up on our desk.  Here it is...

Q: I recently went on a great vacation, but the airline completely lost my luggage.  What does my homeowners policy cover in this situation?

A: Under a “named peril” policy, there is no coverage for lost luggage.  There are 16 named perils under a homeowner’s policy and “lost” is not one of them.  In this case, you would need to file a claim with the airline, since the luggage was under their “care, custody and control.”  The airline would be responsible for the luggage and the contents therein. Most homeowners policies are named peril, but there are a few exceptions.

SPOOKY: Most People Know Little About Their Homeowners Insurance Policy

Written by on 10/30/2011 6:37 PM . It has 0 Comments.

According to a national study, more than half of homeowners say they know very little about their home insurance policies and coverages.  In fact, some 54% of all homeowners surveyed admitted to knowing “not much at all” about their homeowners policies. Some of the most dangerous aspects homeowners  typically ignore on their policies are: replacement value, deductibles, and covered losses. A homeowner will sometimes upgrade their home and never update their home insurance policy.  When the listed replacement value is no longer enough to rebuild their home to new standards, the homeowner is often underinsured. On several occasions, a homeowner will set their deductibles high or low, depending on their financial ability to cover damages in the event of a loss.  However, if their financial situation changes, many homeowners neglect to update their deductible.  This can cause a homeowner to either pay an unnecessarily high premium, or leave them unprotected, with a high ded ...

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How To Waste Money And Not Even Know It

Written by on 10/19/2011 7:29 PM . It has 0 Comments.

Sure, we talk a lot of insurance here, but from time to time, we like to talk about things that have absolutely nothing to do with insurance!  This is one of those time... In talking with several of our clients, we found that most people are unknowingly wasting their money each and every day.  So, here are a few tips to help you spend money where it counts and save money where you can! If you’re like most people, your money isn’t making it to end of the month like it used to. Oh sure, we’re all being more careful with driving, grocery shopping, entertainment and all that.  But have you considered where else you might be spending and not yet realized how much you could save by making some small changes in your money habits?  Take a few minutes, sit down and start a list.  We think you might be surprised…. Car Washes - The average cost for a basic auto detailing package is about $60 in some places.  How often do you do that?  Once a mont ...

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Wildfire Safety Tips During This HOT SoCal Weather

Written by on 10/12/2011 9:48 AM . It has 0 Comments.

Here are some great wildfire safety tips provided by Mercury Insurance... California residents know that wildfires can occur at any time when temperatures rise, humidity drops and destructive Santa Ana winds combine to increase the risk of brush and forest fires. Wildfires can be devastating—causing serious damage to your property and threatening personal safety. Advance preparation is essential if you want protect your family, pets and home from violent and deadly firestorms. Mercury offers these tips to homeowners to help them protect their property and prepare for an evacuation. Tips for protecting your home from wildfires Establish and maintain a safe zone around your house that will act as a fuelbreak. Install a greenbelt around your home and other structures of low-growing, fire-resistant plants such as succulents. Your local nursery can suggest a combination of attractive, water-wise plant materials that will help to reduce your home's vulnerability. If possible, your safe zone should b ...

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Quick Coverage Tip For Homeowners

Written by on 10/10/2011 7:02 PM . It has 0 Comments.

Picture this... You own a home in California, but LOVE to get a way from the hustle and bustle of your everyday life and escape for 4-6 weeks to your favorite tropical getaway.

Sounds great, right?  Of course!  Vacation is awesome...

But, did you know?

If your home is vacant for more than 30 days, the vandalism and malicious mischief coverage is automatically removed!

Too many homeowners in the Southern California area escape for more than a month and assume that their home is fully covered.  However, there could be some large gaps in your policy that you might not be aware of.

Make sure to call our office at (949)582-5220 should you have any home that is vacant for more than 30 days, so that we can review alternatives to retain your vandalism coverage.

Why Are Insurance Rates So High For Teens?

Written by on 9/29/2011 6:10 PM . It has 0 Comments.

As insurance agents, this is probably one of the most common questions that we get from parents who are adding their teen to their car insurance. We understand this frustration and after you read the reasons below, you will most likely respond with “But, my teen is a good driver…” That may be true and you’ve probably spent countless hours helping your teen become a safe driver. If you have, then you should be glad that the chances of your teen getting into an accident will be less than most other teens on the road. 

However, it takes thousands of hours behind the wheel to get the experience necessary to avoid accidents and become safe drivers. Here’s a statistic to prove this point:

 The crash rate for 16 year olds is nearly 3 times higher than 19 year olds and nearly 6 times higher than drivers 20 to 24 years old.

Unfortunately, you are going to have to pay high rates for your teen to drive. But, you can take steps to avoid paying the highest rates and keep them down. ...

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Are Your Children's School Valuables Protected?

Written by on 9/13/2011 8:19 PM . It has 0 Comments.

The days when children just took a pen, ruler and protractor in a pencil case, plus maybe some lunch money, to school are long gone. These days, they carry a small fortune in electronic equipment, wear more expensive clothes and use designer-label sportswear for gym sessions. That means they're more vulnerable to loss and you're more likely to be out of pocket when things get lost, damaged or stolen. So, does your insurance cover you for this risk? And what about equipment that is loaned to them? The answer is normally "Yes" – your homeowners insurance policy usually protects you or a "resident relative" against covered losses to personal property, whether it's owned or just being used by the insured, inside or outside the home. In most cases, a student is still regarded as a "resident relative" even if they're away at college, provided your home is where they normally live outside of term time. However, an important word of warning. As we mentioned on Page 1, if you have a deductible on your policy, ...

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