Category Archives: Finance Guide

How Do Tickets Affect Insurance?

How much your car insurance rates increase due to a speeding ticket depends on several factors, including severity of violation, state/insurer/driver history etc. Your chances of successfully challenging a traffic ticket depend upon its severity and the county where it occurred; other violations could also impact your premiums. Speeding Tickets One of the most frequently […]

What Is Considered A Pre-Existing Condition For Health Insurance?

Prior to the Affordable Care Act (ACA or Obamacare), health insurance companies often denied individuals from purchasing individual health plans due to pre-existing conditions ranging from acne to more serious illnesses like cancer and heart disease. KFF estimated that 54 million non-elderly adults had declinable preexisting conditions on the individual market in 2018. Under former […]

Safety You Can Afford – Get Cheap Car Insurance

Everyone is trying to reduce costs in the current economic climate. People often take simple measures such as reducing grocery bills, unneeded or unwanted bills, and buying only essentials and not luxury items. Car insurance is often a non-essential item. We choose to skip insuring our car, especially if it’s not new or expensive. Most people feel […]

Uninsured Motorist Coverage – What is it and Why You Must Have It

Since 1997, I have interviewed thousands of victims of motor vehicle accidents as an attorney who specializes in Personal Injury Law in Los Angeles. It never ceases to amaze me just how many of these people either do not carry any uninsured/underinsured motorist coverage, or simply don’t carry enough. Let’s start by defining the difference between […]