January 31, 2011
The topic of insurance may prompt some people to nod off. However, in a community familiar with the ugly side of Mother Nature, the discussion couldn't be more welcome. The Rancho Bernardo Community Council hosted guest speaker Kaye Coates of United Policyholders on Thursday at the Rancho Bernardo Library. During her presentation, Coates provided attendees with...

January 31, 2011
When Health Care Reform passed last year, millions of parents with uninsured dependents were relieved. But not all dependents will have coverage right away. When Evan Spinrod’s daughter turned 19, she was kicked off her family’s Kaiser’s health plan. Spinrod said that’s when he decided to buy her an individual health plan. But when reform went into effect, Spinrod was hoping Kaiser would take her...

January 27, 2011
Earlier this year, an elderly man went to the hospital for stomach pains. The doctors advised him that he had gallstones. Days after the emergency room visit, the man and his wife purchased some life insurance. Only later did they learn that the "gallstones" were cancer. Now the insurer is refusing to pay. "He died pretty quickly," says Michael Young, a Sherman, Texas, attorney representing the...

January 26, 2011
Since auto insurance companies typically offer less expensive roadside assistance plans than their competitors, for the many drivers who experience a flat tire or cracked windshield every year, these companies are often the first place they turn when in a rut. As a result, many drivers may wonder whether these emergency calls could come back to increase their monthly insurance premiums. "People...

January 25, 2011
California Insurance Commissioner Steve Poizner said a group of insurers, that represent 72.1 percent of the homeowners' multi-peril insurance market, have agreed to comply with voluntary reforms to the claims handling process -- the effect of which means consumers will have more-responsive claims handling practices. After gathering feedback firsthand from fire survivors at a series of Insurance...

January 13, 2011
As a public service to residents, the Financial Planning Association of San Diego is answering financial questions for readers of The San Diego Union-Tribune. Today’s question is answered by Lynn Buchholz, CFP, president of Buchholz Financial Planning who teaches the “Fundamentals of Insurance” class in the SDSU Executive Education Program Q: My question is with regard to homeowner’s insurance....

January 12, 2011
Grass is beginning to grow on the vacant sites where homes once stood four months after the fatal San Bruno explosion and fire, leading residents to consider restarting their lives but some may have questions about the details of construction. The Sept. 9 blast completely killed eight people, destroyed 38 homes and created a large swath of damage to the Glenview neighborhood. Rebuilding,...

January 12, 2011
Life insurance is an important monetary investment, and you don’t want to buy an unsuitable policy or discover that you’ve purchased too much or too little. But if the fear of making a bad life insurance decision is stalling your effort, know that failing to buy life insurance at all can be one of the most costly mistakes you can make for your family. “The data is clear,” says...
As posted at: Huffington Post

January 11, 2011
Raúl and Laura Zamora, like many homeowners in the Crestmoor neighborhood who were affected by the Sept. 9 fire, still haven’t been able to figure out how they’re going to move forward.  They live in Concord but they had been renting their home on Fairmont Drive to another family, who, since the explosion, is now afraid to move back into the home.  So the Zamoras have been wondering: Do...