1: Don’t buy insurance coverage for the market value of your home. Instead buy coverage based on a home’s cost to reconstruct (materials and labor and not for the land).
- Red cars don’t cost more to insure, but they do get pulled over more often because the red color attracts an officer’s eye. The more you get pulled over and ticketed, the more likely your insurance company will raise your rates.
- If you cause a serious accident, your auto insurance company will not cancel you immediately (though it will count as 2 points against your DMV record), and at worst must wait for the expiration date.
- Small cars are the cheapest to insure.
- Comprehensive auto insurance does not cover everything. It only covers narrow portions of possible problems, including car theft, storm/sand damage, animal collisions and vandalism etc.
- Thieves do not prefer to steal new cars. Believe it or not, it is more lucrative to steal old cars and sell them for parts.
- If a friend borrows your car and crashes it, your insurance covers it, not the insurance for the driver of your car. Insurance always follows the car… not the driver.
- Out-of-state speeding tickets will follow you home. The DMV from another state notifies the California DMV and a point goes on your record.
- The penalty for tickets is as follows:
4 Points allowed in a 1-year period
6 Points allowed in a 2-year period
8 Points allowed in a 3-year period
An accident equals 2 points against the at fault driver.
A Level 2 Traffic School removes a point off of your DMV, however, the Ticket remains on your record for Insurance Purposes. The Indio court will only accept Traffic School AFTER A TRIAL, if the cop does not object.
- California’s financial responsibility law specifies that the minimum insurance needed use to be $15,000/$30,000 and as of January 1, 2025, is currently $30,000/60,000. This insurance limit covers the driver of the at-fault car for up to $30,000, for any one injured person, and $60,000 total for all the injured people in the other car… with no one person getting more than $30,000.
- Someone who loans their car to another, only has personal exposure for the $30,000 or the limits of their auto insurance policy.
- If damages to the not at-faultdriver are valued at more than $30,000, the at-fault driver (not owner) is still responsible for the additional amount. The not at fault driver can decide not to accept the money and to sue, attach wages and assets, and s/he can renew the judgment every 10 years. The only way to escape such a responsibility is to file for bankruptcy.
- The best way to protect yourself from an auto accident is to purchase Uninsured Motorist (UM) coverage and Under Insured Motorist (UIM) coverage. Here in the Coachella Valley, it is a must because of all the uninsured cars on the road. The UIM kicks in when the at-fault driver has inadequate insurance. For example, if the at-fault driver has a $30,000 policy and your injuries are worth $100,000, you would make a claim against the at fault driver and collect $30,000. Then you would make a claim against your own UIM policy forup to the amount your policy would cover for your damages. This is the difference between the policy amount of the at-fault driver and your maximum UIM policy amount. If the at-fault party has NO insurance, you would make a claim against your UM policy.
- Some of us want higher limits of protection and unnecessarily purchase a $1,000,000 liability policy. A trick is to find out what limits your insurance company requires that allows you to purchase an UMBRELLA policy. For instance, if your company required a $500,000/$1,000,000 auto policy, you could then purchase the $1,000,000 Umbrella policy… for a few hundred dollars more a year.The Umbrella policy only kicks in when there is not enough insurance.
DON’T DRINK AND DRIVE. UBER IS CHEAPER THAN ME… SO DRIVE SOBER OR GET PULLED OVER
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GIVE THIS CARD TO OFFICER WITH LICENSE, REGISTRATION, INSURANCE
Upon advice of my attorney, Dale Gribow, I exercise my right to remain silent until you contact him at (760) 837-7500 or dale@dalegribowlaw.com for an OK. He advises, “the VOLUNTARY FIELD SOBRIETY AND (PAS) PRELIMINARY ALCOHOL BREATH TEST, at the scene, are OPTIONAL (unless one is on probation). Thus, I elect not to take them, but want to cooperate and take a BLOOD TEST.”
REMAIN SILENT! It’s NOT what’s said. It’s what the insurance company/police, THOUGHT YOU SAID. They are NOT on Your Side | You are NOT in Good Hands | and Your Friendly Neighbor |will NOT give you a Piece of the Rock.
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35 Top Lawyer, 10.0/5-Star, career PI/DUI awards. Experienced and recognized for excellence with 9 Man of the Year; 4 Dale Gribow Days and “Mr. Charity”- recognizing dozens of legal/philanthropic awards… signifying “The Best”. Dale limits cases and personally answers calls. _____________________________________________________________________________________________________________________________________________________________
