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4 Randy's Blog

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Can I get a ticket for Operating a Boat Under the Influence of Alcohol?

Randy - Updated: September 23rd, 2017    Views 45

The simple answer is YES. California law prohibits operating a vessel while under the influence of drugs or alcohol. Generally, the term “vessel” means all watercraft, including motorboats, sailboats, and jet skis. (Cal. Harb. & Nav. Code § 651(aa) (2016).) A person can be convicted of boating under the influence (BUI) for operating a vessel while:California BUI (Boating Under t...

What is the difference between an Insurance agent and Insurance Broker?

Randy - Updated: September 23rd, 2017    Views 52

Insurance Brokers and Insurance agents both sell insurance. The key difference between insurance broker and agent is that an insurance agent (also called captiveagent) typically works for one insurance company and thus can sell insurance policies of this company only. In other words as a captive agent your limited on the product...

Building Contractors and Handymen. What happens if you use cheap material and yo...

Randy - Updated: September 23rd, 2017    Views 85

First, I want to start off by saying this was a traffic incident that happened and possibly could have been avoided. In my line of work I see claims similar to this. The victims of a balcony collapse in Berkeley, Calif., that killed six college students have reached a settlement with some of the companies they sued in 2015.The settlements are confidential, said lawyers for the families of the...

Does my insurance cover modifications to my car?

Randy - Updated: September 21st, 2017    Views 40

An auto insurance company generally does not provide any coverage for enhancements to an automobile.The coverage you Need for CustomizationSupplemental Coverage: Many insurers offer endorsements that provide supplemental coverage for modifications and aftermarket components. Some carriers will offer optional customized parts and equipment coverage that will pay the Actual cash value of those parts...