Month: September 2023

Is motorcycle insurance a requirement in California?

Posted on by agentinsure

Not all states in the United States require motorcyclists to carry motorcycle insurance. Here at Neff & Associates Insurance Services Inc., our team is always eager to answer questions about insurance policies, including motorcycle insurance policies for Pismo Beach, CA residents. The following is a look at some of the most important things to know about motorcycle insurance laws for our state:

California Motorcycle Insurance: Do I need it?

Yes! California law requires that all drivers of any type of motorized vehicle, including those driving motorcycles, meet certain motorcycle insurance minimums. Our insurance company also recommends motorcyclists expand their policy beyond the minimums for optimum protection in the event of an incident.

To meet the minimum liability insurance requirements in the state of California, you will need to have a Pismo Beach, CA insurance policy that includes amounts for:

  • Bodily injury or death per individual harmed in an accident you’re deemed responsible for
  • Bodily injury or death per complete accident in the event multiple people are harmed in an accident, you’re deemed at fault for
  • Total property damage resultant from an accident you’re deemed at fault for

The purpose behind having this minimum mandatory insurance policy is to ensure that others are financially protected in the event of accidents of your causing. Likewise, if you’re injured while riding your motorcycle because of another driver’s negligence, their insurance policy will pay out for your medical costs and property damage. Some people don’t have full coverage or are operating illegally. This is why we also recommend that all motorcyclists carry uninsured/underinsured motorist insurance coverage and full collision coverage so they are always protected in any accident. 

Learn More

For more information about motorcycle insurance and meeting your Pismo Beach, CA insurance needs, contact our friendly team at Neff & Associates Insurance Services Inc.

Does Renter’s Insurance Cover Mold?

Posted on by agentinsure

Yes and no. Since flooding isn’t covered under any Pismo Beach, CA insurance, the mold resulting from it wouldn’t be covered. However, water damage from broken pipes, backed-up plumbing, or water damage from putting out a fire causing mold wouldn’t be a problem. Check your Neff & Associates Insurance Services Inc. policy to see what perils are covered because mold resulting from them would be handled.

When The Answer Is No

Preventing the mold from growing in the first place could be a better solution than seeking compensation. Mold remediation companies will tell renters where the trouble spots are and recommend methods for preventing mold growth. 

Air out dark, damp areas and let the sunshine in to prevent mold growth. Promptly repair leaks. Wipe down suspected moldy areas with vinegar, citrus, baking soda, lemon juice, and tea tree oil. Here’s what else you should know about mold.

What To Do When You See Or Smell Mold In A Rented Structure

If properties have no ventilation in bathrooms, laundry rooms, kitchens, or other damp places, look for another property to rent. This means there’s nothing to dry the room, so mold formation is almost a given. 

Contact the owner or manager of the property at the first sign of mold. It will smell like earth. It will look like water damage on the wall or ceiling paint. The owner is required by California law to repair the damage and get rid of the mold.

Call the local and state inspectors if the owner is responsible and does nothing. The inspector will make sure the owner repairs the problem.

Mold has serious health risks. If the Pismo Beach, CA property you rent has a hint of mold, call the property owner or manager. Check with Neff & Associates Insurance Services Inc. to see if you have any resources to help.