Posts

Uninsured Drivers

California Car Insurance Laws and Requirements

To ensure that all drivers can provide for financial and medical expenses resulting from an accident, most states require drivers to purchase auto insurance to operate a vehicle. If you are new to California, you might not know what coverage is necessary to purchase. The last thing you want to happen to you is getting caught with the wrong coverage.

VIP 360 has compiled a short and easy guide to lead you in the right direction when it comes time to purchase auto insurance. Let’s review what you need to know about insurance laws and requirements in California.

Mandatory Coverage

The state of California requires that all motor vehicles registered in the state are covered by a minimum level of liability auto insurance. Every driver who operates a vehicle statewide, including those with out-of-state licenses or unlicensed drivers, are required to follow the minimum insurance requirements.

You are required to have the following types of liability coverage in California:

  • Bodily Injury Liability (BI)– When you are found legally responsible for a car accident, bodily injury liability coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense if you are sued for damages. You are required to possess bodily injury coverage of at least $15,000 per person, and up to $30,000 per accident in California.
  • Property Damage Liability (PD)- Property damage liability coverage is required by law in most states. It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front. Property damage liability coverage usually does not cover damage to your own vehicle. In California, drivers are required to have a minimum of $5,000 in Property Damage Liability coverage.

Proof of Insurance

It is also important to carry proof of your insurance policy with you whenever you are behind the wheel in California. Make sure to carry an insurance ID card that lists the name of the policyholder, insured vehicle, policy number, and the start and end dates of your policy.

When you are pulled over without enough evidence of insurance, you could get your vehicle impounded and your driver’s license or vehicle registration could be suspended. Fines in California can range from $100 – $200 for the first offense, and $200 – $500 for each subsequent offense within three years of the first.

These are the main insurance laws and requirements in California. Contact a professional from VIP 360 to get up-to-date information on everything that you will need to know about car insurance requirements in California. In search of better coverage with lower rates? Call VIP 360 Insurance today to see how we can help you!

Auto Insurance Form

Auto Insurance Form

Alan Rakin’s Favorite Hiking Trails in Los Angeles

And The Best Hiking Trails in Los Angeles are…

We love the beaches in Los Angeles. We love the ocean, food, waterfalls, and the mountains! There are so many things to do here.

If you love nature, there is no doubt in our mind that Los Angeles is the place you want to be. If you just moved here, you will find out soon about how active and healthy people are in L.A.

Did you know that Los Angeles is known for having great hiking trails? Yes! If you haven’t been asked to go on a hike by a friend, you need to check them out for yourself.

Alan Rakin, CEO of VIP 360 Insurance has lived here for a long time and wanted to make recommendations for some hiking trails in Los Angeles that he believes are the best. There are so many trails out there, if you aren’t a native, you would have a hard time distinguishing what each trail is known for.

We’re pretty sure you’re going to like this list. While you’re out there, remember it’s good to have auto insurance in Los Angeles before you hit the trails. You’ll have to drive to get to some of them.

Are you ready? Let’s get to it.

Alan Rakin Hiking Trails in Los Angeles

Eaton Canyon Hiking Trail

If you like waterfalls, Eaton Canyon is where you want to hike. This hike is in Pasadena. It’s a pretty easy hike, but a good one.

Murphy Ranch Hiking Trail

If you want to see history, this trail is located on Capri and Castle Road in Santa Monica. On the trail, there is the old Nazi compound that Hitler built. Interesting, right?

Runyon Canyon Hiking Trail

If you’ve seen aerial photos of downtown Los Angeles with people standing on a mountain in their sweatpants, you’re probably looking at photos from Runyon Canyon. It’s right in the middle of Hollywood. Alan Rakin says go early, you’ll see celebs.

Mount Baldy

This is a real hike. It’s the highest peak in Los Angeles. If you make it to the top, you’re will see beautiful mountain tops. Alan Rakin says this is one trail that you must hike.

Of course, there are more hiking trails in Los Angeles, but we can’t list them all in one post. When you’re driving out to the trails, be safe.  If you need cheap auto insurance in Los Angeles, give us a call.

VIP 360 Insurance provides auto insurances in Los Angeles and the entire state of California.

Alan Rakin Cheap Auto Insurance in Los Angeles Tips

Alan Rakin gives his best Cheap Auto Insurance in Los Angeles Tips

There are a lot of companies that sell auto insurance and if you are a first time driver or new driver looking for auto insurance, you want to make sure that you get the best bang for your buck.

Alan Rakin, CEO of VIP 360 Insurance wants to give you a few tips about auto insurance. This will help you make the right decision or at least give you an idea of what you should look for when making a decision about who to shop with.

Cheap Auto Insurance in Los Angeles Checklist

If you have a car in California,  you must have liability insurance.  Yes. This is the state law in California. All vehicles operated or parked on California roadways require liability insurance. It’s not a choice. You have to have liability auto insurance at the minimum and your car must be registered. If it’s not, you will get towed and that will make things worse. VIP 360 Insurance offers low down payments and monthly payment plans, so finding cheap auto insurance in California isn’t too difficult. Just pay as you go!

If you have a DUI, you can still get insurance.  Let us help you get your drivers license back within a few months.  All you need is an SR-22 document. Your insurance rates most likely will be higher. That is a consequence of getting a DUI. That’s something we can’t do too much about, but we can make sure your insurance rates are reasonable. Getting a SR-22 shows that you are a responsible driver. After a few years, the SR-22 will fall off of your record and you will have cheap auto insurance again in Los Angeles.

Protect yourself against the uninsured motorist.  This is a big problem today. There is a lot of uninsured motorists out there. The best thing you can do for yourself is to make sure your policy protects you. Alan Rakin highly recommends adding this to your policy. It’s only a few dollars more and you’ll still have cheap auto insurance.

If you need more tips, take a look at the VIP 360 Insurance blog. Alan Rakin will give you tips about cheap auto insurance in Los Angeles, DUI insurance, SR-22 documents, motorcycle insurance, and more!

Alan Rakin Auto Repair in Hollywood List

Where to find the best Auto Repair in Hollywood

Driving in Hollywood is fun. There is so much to see including the Walk of Fame, Hollywood Sign, celebrity homes, and the movie studios. Also, there are a lot of tourists from all over the world sharing the road with Angelenos.

You would think that the tourists are great drivers but they might only be good drivers at home. The roads of Los Angeles, California might confuse them. Simply put, people get into wrecks.  The last thing you want to do is have a wreck inv that that nice 1967 Mustang Coupe you worked so hard on, but it happens.

If you have cheap auto insurance from VIP 360 in Los Angeles, you’ll be okay.

So where do you go when you need to fix your baby? Alan Rakin made a list of auto repair in Hollywood. Alan figured that this would be extremely helpful to you.

Most repair shops are kinda sketchy and the last thing you want to do is to take your car somewhere that isn’t reputable and makes matters worse.

Some repair shops take too long to fix your car, and we don’t want that. Check it out!

Read more

Cheap Motorcycle Insurance in San Diego

Cheap Motorcycle Insurance in San Diego every day

Spring has arrived. That means it’s time to cruise the roads of San Diego. Do you know where to get cheap motorcycle insurance in San Diego, California?

Let us help you! We know a thing or two about bikes. There are a lot of insurance agents out there that claim they know all about motorcycle insurance. The thing is that most insurance agents have never picked up a motorcycle. It’s true.

How can recommend motorcycle insurance if you have never had the experience of riding one? Alan Rakin, CEO of VIP 360 Insurance is a motorcycle specialist because he owns a bike and has years of experience riding one. Alan knows what bikers are looking for.

Alan Rakin is going to give you some advice about bike insurance.

Cheap Motorcycle Insurance in San Diego Things To Know

  • We insure bikes, mopeds, scooters, sports bikes, classic bikes and custom bikes.
  • VIP 360 Insurance covers theft, vandalism, fire, and anything else that can possibly happen to your motorcycle while it is sitting in storage. Tipping, falling, rust, etc.
  • Do you have a modded motorcycle? No sweat. If you like a cool looking motorcycle, but you’re worried about it being covered, no worries. We will gladly insure that bike as well.

There are more things Alan Rakin would love to share with you. Feel free to contact us. Alan Rakin would love to help. Our motorcycle specialist has your back!

VIP 360 Insurances offers cheap motorcycle insurance in San Diego and for the whole state of California.