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300 S. Park Ave, Ste. 903
Pomona, CA 91766

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California Insurance Blog

Does My Teen Need Special Auto Insurance?

In California, your teen driver will start their driving experience with a provisional license, meaning that though they are legally allowed to drive, they haven’t earned their complete driving privileges yet. California provisional drivers under 18 years of age have specific driving restrictions, such as not being allowed to drive between the hours of 11 pm and 5 am, and not being able to have passengers under the age of 20 in the vehicle, unless accompanied by someone over the age of 25 who is a licensed driver. These restrictions last for the first 12 months of a teen’s provisional license.

Provisional drivers have specific insurance needs. Keep the following in mind before you hand over the keys to your teen:

Provisional drivers are required by law to maintain the same minimum insurance coverage as their parents. In California, all drivers, including teens are required to carry the following coverage:

  • $30,000 in bodily injury per each accident
  • $15,000 in bodily injury per each person
  • $5,000 in property damage per each accident

If your Pomona CA teen has a provisional license and is using your vehicle, they should be added to your automobile insurance policy. All licensed drivers in your home, including teen drivers, need to either be added to or excluded from your automobile policy. If your teen is involved in a collision and you have not added them to your policy your insurer may not cover the damage to your vehicle, other vehicles involved, or any medical costs for injuries sustained by victims.

Check with your THINK Insurance & Financial Services agent find out which discounts may apply to the teen driver in your household. For more information about insurance coverage for your provisional driver, contact the Pomona, CA insurance experts at THINK Insurance & Financial Services today.

In Pomona, CA: Is Condo Insurance Treated the Same Way as Home Owner’s Insurance?

The agents of THINK Insurance & Financial Services serve residents who live in and around the Pomona, CA area. They specialize in various types of insurance including homeowner’s policies and those designed for condo owners. Owning a condo is a convenient blend of owning a home while living in a maintained building that holds several different units. This can lead to a unique set of circumstances when it comes to insurance coverage.

Condo insurance acts just like a homeowner’s policy in many ways. It reimburses you for your personal items if they are damaged, destroyed in a fire or stolen. It also protects the interior of your condo and will pay to cover the repairs to any damage that occurs within your living area. Your condo insurance will not cover damage outside your living area, however. Any damage that occurs outside of your living area is covered by the condo association.

Another benefit is the medical coverage that is afforded to guests who are injured while visiting you in your condo. This personal liability coverage. If your condo is damaged for any reason and you are unable to stay there, your condo insurance will pay for you to rent a hotel or other apartment until it is repaired and fully functional.

In Pomona, CA, the agents of THINK Insurance & Financial Services are available to discuss all of your insurance options with you at your earliest convenience. If you own a condo, they can evaluate your unique circumstances and come up with a policy that protects you from financial loss and gives you peace of mind. Schedule an appointment today to have all of your questions about condo insurance answered!

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