Category Archives: My Blog

What To Do If You Are Involved In An Automobile Accident

With the rainy season here, our office is experiencing an increase in clients calling in to file a claim.  More often than not, clients are not getting the needed information at the scene of the accident.  Here is what you should and should not do if you are involved in a car crash.

  1. Always be sure to write down names, addresses, and license numbers of the people involved.
  2. Notify the authorities immediately.
  3. Report the crash to your Insurance Company or Agent ASAP.
  4. Under no circumstances should you admit liability or authorize any type of repairs.
  5. Do not discuss your accident with anyone other than a representative of your Insurance Company or Law Enforcement.

Holy Fire Puts Restrictions On Current Homeowner’s Insurance

Post Published 8/13/2018 at

A few of us here were talking about how Homeowner’s insurance affects someone who lives or is in the middle of a real estate transaction while a major blaze is happening, such as the Holy Fire.  Since we have a pretty good relationship at Friendly Guy Insurance, we thought to give James a call.

We got through to James and he told us that during times like these, Insurance Agent’s are updated frequently as to the status of the fire, and overall binding authority updates are given frequently.

As of today, at 12:45, James told us that due to the gains in containment with the Holy Fire, the non-bind perimeter is being adjusted. James said that a non-bind status means that there cannot be any changes written to a current home policy, and on top of that there cannot be any new business written in these affected areas.

Changes means no changes to any coverage or change of deductibles.

The updated parameters for the non-bind area include:

  • North of Santiago Canyon, Live Oak Canyon, and Trabuco Canyon Road.
  • South of Interstate 15 and Grand Avenue.
  • West of Riverside Drive
  • James advised the remaining zip codes that are still affected are: 92530, 92883,92678.

We asked James if there was anything that he recommends thinking about prior to a disaster like a fire that consumers should think about.   Freeman said “re-evaluate your deductibles during non-crisis times”.  I had a lot of clients that had to evacuate and most of them told me they wished they had more cash on hand and fuel in their cars.  Another thing to consider is to ask your current Insurance Company if they offer a free service of spraying fire-retardant foam if their home is at risk.  “Our company has state of the art software that notifies us if we have a client that is at risk of the home catching on fire” Freeman said.  Our company will send a company out to spray the property. James said the average consumer does not know to ask these questions, that’s why it’s not imperative but crucial you have an Insurance Agent that knows what they are doing.  When the you know what hits the fan, the average consumer does not care what the premium is, as long as they are covered.

Thanks alot for the time James, all of us here at French Valley Press always enjoy talking with you.


Update On What’s Going On In The Auto Insurance Industry

Automobile Insurance rates are going up, get ready!  Most Insurance companies are paying out more in claims than they are taking in premium.  Why? Claims are at an all time high due to today’s distracted drivers.  Everyone is on their phones and add texting to the equation means more collisions.  The 2nd factor is all the new high-tech features on new cars.  All the collision avoidance and safety features are embedded in the windshield and bumpers.  At the end of the day, it’s costing Insurance Companies more money to repair or replace a vehicle.  With all this going on is still winning new business every day.  We are winning against companies like Geico and even Wawanesa.

I’m Covered Right? I Have Full Coverage

When talking with a potential new client about auto insurance, I typically hear the words “full-coverage”. Many consumers are under the assumption that if they have full-coverage that they are really fully covered. If you are at fault in a traffic collision, most of the time there will be a law suit. We do live in CA. where everyone is so sue happy. Let’s face it, if you are going to get sued, you are going to be sued BIG; attorneys do not sue just a little. The average automobile law-suit in CA. is around $200,000. So let’s say you have 15/30 bodily injury coverage and you are sued for $100,000. Your insurance carrier will write a check for the $15,000 and wash their hands at that point. Who do you think they will come after for the remaining $85,000? YOU!!! They will come after your assets, equity in your home and even garnish your paycheck up to 25%. So did full-coverage help in this scenario? If your current Insurance Agent is not having these types of discussions with you, perhaps it’s time to find another agent.

ADAS and the Impact on Insurance

What is ADAS- Advanced Driver Assistance Systems

ADAS technology creates a circle of safety around the vehicle. Many safety features come from the front-facing camera in the windshield, including lane departure warning and traffic sign recognition.

Why are these systems being used in vehicles? 

There are 1.2 million Traffic fatalities globally on an annual basis by far the largest contributor is human error.  90% adoption of ADAS systems could reduce fatalities by 67%.  In the United States alone it is projected that with 90% adoption of ADAS in vehicles 33,000 lives would be saved and in China this number rises to 275,000 lives per year.

Currently 6% of the windshields being replaced by Safelite AutoGlass have some type of ADAS feature and this number is expected to double each year in the foreseeable future.   The government is pushing for these additional safety features as well as consumer demand for these options.

How does this impact the consumer when a windshield is replaced? 

With some of these safety features the cost of the windshield is more expensive as well as a process called “recalibration” is required after the replacement is performed to ensure that the safety features are working properly.

Below are some cash price examples of windshield costs with and without the safety features requiring recalibration.  Please keep in mind that these are examples and market pricing may vary:

2014 Ford Taurus

A windshield for a vehicle without ADAS options range from $259.00 and  $699 for a Windshield on a vehicle with ADAS options.

2015-2017 Acura MDX

A windshield for a vehicle without ADAS options range from $359.00 and  $999.95 for a Windshields on a vehicle with ADAS options.

These prices do not include recalibration charges. Safelite AutoGlass charges $300 but they have seen dealer prices in excess of $2000.

This earthquake fault in northeast L.A. and Pasadena isn’t well known, but experts say it poses dangers

California officials have mapped a new stretch of an earthquake fault through northeast Los Angeles — a fault that could cause major damage in the heart of the metro area.

The Raymond fault has long been known as a potentially dangerous fault for Los Angeles and the San Gabriel Valley, and caused the magnitude-4.9 Pasadena earthquake in 1988, said Tim Dawson, senior engineering geologist with the California Geological Survey.

But it’s a fault that can pack a punch. That 1988 earthquake literally threw seismologist Lucy Jones out of bed. “The wave was coming up at me,” Jones recently recalled. “It was the most scared I have been in earthquake shaking.”

And it’s capable of a much worse earthquake. It could cause an earthquake as large as a magnitude 7. The Raymond fault runs from northeast L.A. through South Pasadena, Pasadena, San Marino, Arcadia, Monrovia and the unincorporated area of East Pasadena. For stretches, the fault runs alongside parts of Eagle Rock, York and Huntington boulevards, and under a stretch of the 110 Freeway in South Pasadena.


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Why Friendly Guy Insurance? Why Not Friendly Guy Insurance!

If you’re like most, you are tired of paying too much for insurance. On top of that when you contact your carrier, you get lost in the press 1 for this and that or you end up going through an endless maze of voice mail menus; only to wind up with a live person that makes you explain all over again why you are calling when the voice mail prompts asks you the purpose of the call. Sound Familiar? At Friendly Guy Insurance, we take a different approach. Our agency philosophy is that every client should be treated like a friend, not a policy number. Our expertise is personal lines insurance. This means we offer personal coverage for Home Insurance, Auto Insurance, Life Insurance, Motorcycle Insurance, RV Insurance, Renters Insurance, Boat Insurance, Earthquake and Flood Insurance. We also offer Classic Car Insurance. Call now and start saving today!

Why You Need Earthquake Insurance

Earthquakes represent one of the most significant threats to homeowners in California.  Over 2,000 known faults crisscross the state producing an average of 100 earthquakes per day. Experts agree that it is only a matter of time before another large earthquake will occur.

Why you need Earthquake Insurance…

Your current homeowners insurance policy does NOT cover earthquake losses.  Without earthquake insurance, you will pay out-of-pocket to repair any damage to your home, to replace your personal property, and to live and eat elsewhere after an earthquake.  These expenses can be substantial to your family!
Getting coverage is easy, just contact me to discuss available options and our agency will provide you with a no-obligation quote.

Protect Your Family And Assets for Just A Few Dollars A Day

When planning on how to better protect your family and assets, it is imperative to consider your risks. Other states are not this way, but in California the courts have access to assets and income to appease judgments. An excellent way to ensure your protection is with an umbrella policy.

So, what is umbrella insurance and how can it better protect you? Umbrella insurance is additional liability insurance that will protect you financially, your assets, and your family if you are sued for a large amount of money. Auto and home policies have limits in terms of the dollar amount they will cover; these limits are agreed upon at the time you set and sign the policy and can often help to determine the price.

But limits are limits, and by definition carriers will not exceed them in their payouts. If you want fiscal protection against a large lawsuit, umbrella insurance is the way to go.

As you’ve likely gleaned by now, the term “umbrella” does not literally refer to the hand-held instrument that protects you from the rain. It’s a metaphor, referring to how the policy shields holders more broadly than does primary coverage.

Here are some examples where umbrella insurance might be in your best interest.

•Ever plan to host guests? If people are coming in and out of your home, there is a risk of someone slipping and/or falling and injuring himself. This is one of the major causes for big homeowners insurance claims.

•Use your car commuting to work, going to the store, or even just for a cruise down to the shore? The more time you spend in your vehicles the better your chance of a catastrophic accident.

In addition to covering you for accidents on your property or car accidents you are found to be at fault for, an umbrella policy can also protect your dependent children (for example, if your daughter causes a car accident), any accidents caused by you or your dependent children while operating a watercraft, accidents that occur on a rental property you own, and personal injury lawsuits arising from slander, libel, defamation of character, false arrest, detention or imprisonment, abuse of process, malicious prosecution, shock/mental anguish and more.

Umbrella coverage may seem like an extremely cautious step — insurance on top of insurance! For a few extra dollars each month, you can protect yourself from a catastrophic loss. Most policies cost only $20 – $30 a month, which is likely a small price to pay to further protect your most valuable material assets.