Summer is here and that means trips vacations and roads trips for most people across the country. While you are making your summer plans and lists on what you need to pack add contacting to your Insurance Agent to your list of what you need to accomplish before your trip. Your Auto Insurance policy covers you for a number of different situation and making sure your coverage is correct will help you out in a number of ways if something was to happen while on you trip this summer.
Your Auto Insurance Policy covers liability coverage for bodily injury and property damage for which you are legally responsible. Medical Payments for bodily injury caused by an accident, to you or family members that reside with you. Uninsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that does not have auto liability insurance. Under insured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that has automobile.
Contact Scurich Insurance Services today to go over you Auto Insurance Coverage or for a quote for a policy before your summer trip.
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Here are some of the testimonials from our happiest customers!
“We have been with Scurich Insurance for over twenty years and have been extremely satisfied with the services they provide for our company. No high pressure sales pitch, just professionals who work with us to find the right policies to fit our business needs. The entire staff makes us feel as if we are their most important client. A rarity in today’s business climate.” Sharon J. Watsonville, CA
“I’ve been with Scurich Insurance Associates for many years. I really appreciate the personal service and professional approach they take with my business and my insurance needs.” Jeff B. Carmel, CA
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From http://dui.drivinglaws.org
In California, if you get pulled over for a DUI (driving under the influence) and the officer asks you to take a blood, breath, or urine test, do you have to take one? What happens if you refuse?
Implied Consent
California law requires you to take a breath or blood test if you are arrested for a DUI. California’s “implied consent” law says that if you are lawfully arrested by an officer who has probable cause to believe that you have been driving under the influence, then you consent to taking a chemical test of your blood, breath, or urine for the purpose of determining your blood alcohol content (BAC). The test must be taken at the time of your arrest, and the officer should give you the choice between a blood or breath test. If neither blood nor breath tests are available, then you have to take a urine test. The law also gives a special exemption for people taking anticoagulants for a heart condition or who have hemophilia – they don’t have to take the blood test.
Additionally, California’s implied consent law says that you consent to taking a preliminary breath test, even if you have not been arrested. This works like a field sobriety test. The officer will use the results to establish probable cause that you were driving under the influence. You do not have to take this preliminary test, and the officer should say so. Refusing it, however, probably won’t work in your favor if the officer has some other reason to think you had been drinking. Based on that other reason, the officer could still arrest you and then you will be required to take a test under the law described in the paragraph above.
If you are arrested, the officer should tell you that if you refuse to take the test, you will be fined, will lose your license, and that you could be sent to jail if you are later convicted of a DUI. Also, the officer shall advise you that you don’t have the right to speak to an attorney about whether you should take the test and in fact your refusal can be used against you in a court of law. You can read California’s implied consent law in the California Vehicle Code Section 23612.
Refusing to Take the Test
In California, the penalties for refusing to take a blood, breath, or urine test begin with a one-year suspension of your license. You could lose your license for two years if this is your second refusal or if you already had a reckless-driving or DUI conviction within the last ten years. The penalty jumps to a three-year suspension for your third refusal or if you have had more than one reckless-driving or DUI conviction within ten years. The fine is the same – $125 – whether this is your first, second, or third refusal.
The penalties for refusing to submit to a chemical test are found in the California Vehicle Code Sections 13353 and 14905/
Scurich Insurance can help you with keeping costs down after a DUI.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
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Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
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While shopping for Health insurance in CA, consumers everywhere should beware of disguised benefit plans. They are often called limited medical benefits or mini-med plans. Although they appear to offer comprehensive coverage, these plans actually might provide very inadequate compensation in the event of illness or injury.
The benefits provided by these plans are not nearly the same as major medical insurance or comprehensive health coverage. Mini-med plans and limited medical benefit insurance policies are usually advertised as inexpensive alternatives to major medical plans. The level of coverage offered by both options can be very low. With major medical plans, there are limits placed on how much a consumer must pay for specific treatments or incidents. However, there are no limits with mini-med plans. In addition to this, there is a cap amount allowed each year. Plan members are responsible for any expenses incurred beyond that amount.
Since health plans with limited benefits come in many forms, consumers must be careful while comparing options. If an individual signs for one of these plans experiences a major illness or injury, inadequate benefits can put that consumer in a difficult financial situation. While the benefits of these plans are not comparable to comprehensive coverage, they are often advertised as such. The following are signs of a limited plan or mini-med plan:
- There are annual limits for what the policy covers.
- The plans require association memberships.
- They are often described as innovative or cost effective.
- The premium offers are only available during the period of open enrollment.
- There are no pre-existing condition exclusions.
- Pharmacy and medical discount cards are often sold as insurance.
- The companies usually make unsolicited calls or send frequent emails.
When shopping for Medical insurance in CA, consumers should always ask questions. It is important to know exactly what a plan offers before agreeing to the terms. To avoid the costly effects of signing up for an inadequate plan, be sure to ask an agent for the following information:
- A detailed explanation of all benefits, exclusions and limits.
- The full address and name of the insurance company’s underwriter.
- A detailed outline of coverage provisions.
- The agent’s full name, address and National Producer Number. Agents should be licensed in the states they operate in.
- An explanation of what percentage of the monthly payment goes toward the premium and how much goes toward other fees.
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Scurich Insurance Services, located in Northern California, has been serving the Monterey Bay Area since 1924.
There are many things that can affect your Auto Insurance Policy, here are a few that you may not know:
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The type of car you drive affects your insurance rates, small sporty cars are going to be much more expensive than mid sized cars with many safety features.
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Comprehensive coverage is not the same as complete coverage, comprehensive coverage only means that your auto is covered in scenarios other than collisions such as vandalism, fire damage, theft, etc.
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It is possible to ask your insurance company for discounts, most companies offer various discounts such as safe driver, and student discounts among others.
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Never let your insurance policy lapse, driving without insurance will wind up being very costly and will affect you getting insurance with another company in the future.
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Pay semi-annually instead of monthly if possible, many companies will give you a discount if you are able to pay for your insurance six months at a time as opposed to monthly and this could ultimately save you a great deal of money.
If you’re looking for better service, lower prices or just need a change, we are easy to find.
Not sure if you’re covered enough? We can help find fatal gaps in your current policy and avoid potential disaster.
Start Here to complete our simple Request Form and a representative will respond within 24 hours.
We look forward to offering you great service.
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Sincerely,
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
http://www.scurichinsurance.com/
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