Are There Accidents in Newport Beach, CA Where You’re Automatically at Fault?

When accidents occur in Newport Beach, CA, and surrounding areas, there’s always a question of fault. Some people believe that certain types of accidents automatically assign fault to one party or another. At Murvay Insurance, we strive to deal with claims fairly and responsibly. Because of that, we want to shed some light on this myth of automatic fault.

Difference Between Fault and No-Fault States

The first thing to understand is that California isn’t a no-fault state. In a no-fault state, insurance companies typically pay out for their client’s damages, no matter who was at fault in the accident.

As an at-fault state, California insurance companies must pay damages for their client if that client bears the majority responsibility or fault for the accident. Because fault will go wholly with one party or the other rather than being split, there are some circumstances where automatic fault will typically fall.

Types of Accidents Where People Assume Automatic Fault

Some of the most common types of automatic fault situations include:

  • Rear-end collisions occur because the following vehicle has a duty to follow at a safe distance and pay attention.
  • Running a red light or stop sign, because this violates the law and creates accident conditions
  • Driving under the influence violates the law, impairs driving ability, and creates a considerable accident probability.

Generally, if there’s negligence on behalf of a driver, then that driver will likely take on the fault for the accident.

What Happens When There’s Equal Fault

Circumstances where parties all bear an equal or nearly equal amount of fault can happen. Under those circumstances, the insurance companies for all parties will have to pay damages.

For this reason, it’s important not to assume fault if there’s any degree of doubt. If you want to know more about how fault works in Newport Beach, CA car accidents, contact Murvay Insurance today.

Four commercial insurance benefits that might surprise you

Business owners in Newport Beach, CA need to realize how important it is to carry commercial insurance. At Murvay Insurance, we provide commercial insurance coverage to area business owners.

Business owners can benefit from investing in commercial insurance in numerous ways. Here are four commercial insurance benefits that might surprise you. 

Commercial insurance can cover the costs of hiring legal representation.

If your company is sued, you will need to hire a legal defense. Business owners shouldn’t underestimate how expensive legal representation can be.

With commercial insurance, the costs of legal representation for your company should be covered. 

Commercial insurance can keep a company afloat during a business interruption. 

Business interruptions can make it hard for companies to survive. With a commercial insurance policy that includes business interruption coverage, you can enjoy healthy cash flow even if business operations at your company can’t go on for a certain period. 

Commercial insurance can make it easier for business owners to get financing.

Most business loan lenders require companies to have insurance before they will provide them with capital. This makes commercial insurance especially important if you want to seek out a business loan in the near future. 

Commercial insurance can cover overseas operations.

If your company operates internationally, you’ll be happy to know that many commercial insurance policies are in effect worldwide. Don’t stress out about overseas operations. Purchase commercial insurance, and you won’t face severe financial setbacks due to incidents in other countries. 

Call Murvay Insurance today to get a commercial insurance policy quote. We offer commercial insurance coverage to business owners in Newport Beach, CA.

How Home Insurance Protects You

Getting home insurance is required for most homeowners. Mortgage lenders require home buyers to have it, and HOAs also require them. However, it’s always important to have home insurance, even if it isn’t required. Home insurance offers several types of protection that protect you against massive expenses that may be necessary after an accident or other incident. If you don’t have your home policy yet, call us at Murvay Insurance in Newport Beach, CA. 

Protection for the Home

One of the most important reasons you need home insurance is that it offers dwelling protection. When a covered event damages your home, such as an accident or disaster, the policy can pay for the necessary repairs. This coverage can save you tremendous money after a damaging event. It’s never a good idea to be without this coverage. 

Protection for Your Belongings

Most of what you own, if not all of it, is likely in your home. The items you own add up to a lot of value. That makes it essential to have all of those things covered by insurance. Home insurance protects them against covered events that can damage or ruin your belongings. The policy can then pay for the items to be replaced so you can return to your everyday life. 

Liability Protection

Home insurance also protects you against liability in your home. If someone comes to your home and gets injured there, you would be liable for paying for those injuries. With home insurance, liability coverage is included. This allows the policy to pay those medical bills. 

Get Your Home Insurance Policy

When you need home insurance, we can help. To learn more, call us at Murvay Insurance in Newport Beach, CA.

Why Does Age Impact Car Insurance?

Car Insurance For an Accident with a Newer Driver

When a mom clings to the overhead handle as they are being driven to the doctor’s office, it’s a hint. When siblings and friends hide their faces in their hands as they are being driven to the mall, it’s a hint. Young people are curious to see how fast something goes and if it compares to the vehicles in their video games. We get it. 

Young people don’t recognize that the need for speed costs you. For instance, if you’re caught doing 140 in a 35, the judge will take away your license. Forever. If you’re exceeding the speed limit and hit someone, your insurance should be enough to cover the damages and medical costs. Murvay Insurance Newport Beach, CA wants you to know more about age and auto insurance. New drivers are out on the road every day.

Car Insurance For an Accident with a Mature Driver

On the other side of the coin is the little old grandma who drives 20 mph on the extreme right side of the road. Grandpa isn’t much better, but at least he drives the speed limit. If mature eyes or reflexes aren’t in good shape, drivers tend to drive more slowly. It is important to be insured against the unexpected. One slow lane change could mean a totaled vehicle.

About That Insurance

Insurance is about ensuring the money is there to pay for damages and medical costs if an accident happens. Young drivers don’t think about consequences; they want to have fun. More mature drivers may not be as sharp as they once were. These are a few obstacles we must overcome every day out on the road. It is important to have the right coverage when driving.

Murvay Insurance in Newport Beach, CA understands that everyone of all ages needs the proper insurance. Give us a call or drop by to learn more about it. Our team is standing by to help you find a policy for any situation.

Smart Tips for Insuring a Home Business

There’s more to setting up a home business than creating office space and purchasing business equipment and products. It would be best to have insurance protection for your business and business assets. Although home insurance offers some measure of protection, it wasn’t designed to cover business-related losses. The following tips from Murvay Insurance in Newport Beach, CA can help you determine your insurance coverage to protect your home enterprise.

Insurance Options for Protecting a Home Business

When it comes to insuring a home business, there are several options:

  • Endorsements  – One way to insure a home business is to add endorsements to your home insurance policy. An endorsement to increase property coverage can help protect business equipment and products. If you receive clients in your home, a liability endorsement can protect you against accidental injuries that may occur when a client visits your property. Endorsements, however, won’t cover loss of income if your home is damaged in a catastrophe and your business comes to a halt while repairs are made. Neither will they cover employee injuries on the job.   
  • Business Owner’s Policy – A business owner’s policy (BOP) offers a more practical means of protecting your home business, as you have the option of obtaining liability, property damage, workers’ comp, and business interruption coverage. You can also add protection against specific risks such as mechanical or technical breakdowns, data loss, forgery, errors and omissions, etc. This broad coverage against any eventuality will give you the confidence to invest in your home business and grow it into a prospering enterprise.  

Where to Obtain a BOP Policy  

If your home business is your family’s main source of income, a BOP policy may be just what you need to protect it from financial loss. To purchase commercial coverage for your home business, contact Murvay Insurance, Newport Beach, CA. 

What Types of Water Events Can Homeowners Insurance Include?

Your home can encounter problems stemming from water for various reasons, and some of these fall outside the purview of what your homeowner’s insurance will cover. For example, Newport Beach, CA residents whose problems arise from flooding will not be included. 

A homeowners policy may contain a list of covered perils, and if your issue results from one of these, you will typically be able to make a claim. This category of insurance is referred to as named perils. If indemnification is labeled all perils, it usually extends to hazards unless they are specifically excluded. Your knowledgeable Murvay Insurance representative can provide more details. 

Very often, homeowners insurance will take care of situations that are related to burst pipes, as this will occur inside the home and is not due to a flood situation. Plumbing malfunctions can also lead to mold and mildew, and as long as these are not caused directly due to neglect, you can seek financial remedy. 

Broken windows can allow rain to pour into your property, mainly if a weather event, such as hail, causes them. Frozen ice or heavy snowfall on the roof may cause leaks when cold weather prevents thawing. 

Your appliances can sometimes cause an overflow, which can happen with air conditioning systems, dishwashers, and washing machines. Water damage can also occur due to sprinkler systems when smoke detectors are activated or from hoses needed to put out a fire. 

Murvay Insurance is Here to Help 

We specialize in providing our Newport Beach, CA clients with the insurance products needed to suit their needs. We encourage you to reach out to us today, and you can do so online, on the phone, or by stopping in to speak with us personally. 

Tips to prepare your car for a storm

The weather in Newport Beach, CA can be stormy regularly, so it’s essential to ensure your car is ready for them. Here are some tips from us at Murvay Insurance to help you prepare your car for a storm: 

1. Ensure your tires have plenty of treads and are correctly inflated. During a snowstorm, proper tire inflation and tread will help you drive more safely and efficiently on slippery roads. 

2. Check all of your lights and replace any burned-out bulbs. These will become especially important during low visibility conditions caused by a snowstorm. 

3. Top off all of the fluids in your car, like oil, antifreeze, windshield washer fluid, etc. This will help ensure your vehicle runs smoothly during the storm without hiccups due to cold temperatures or other weather-related problems. 

4. Make sure your battery is charged and in good condition so it won’t give you any trouble when you need it most during the storm. 

5. Stock up on emergency items like blankets, flashlights, flares, first aid kits, and other supplies that could come in handy in case of an emergency situation during the storm. 

By following these simple tips, you can rest assured that your car is ready for the coming winter storms! For more tips or to explore an auto policy to cover your vehicle, call us at Murvay Insurance today. We are proud to serve the Newport Beach, CA area and would be happy to help you find a policy that meets your needs and budget. So don’t delay! Call today!

How will commercial insurance protect my Newport Beach business?

The Newport Beach, CA area is a popular area to visit and live in. This can also make it a great place to start a small business. For those looking to build a business in this part of California, having insurance for it is very important. A commercial insurance plan is helpful when you want to cover and protect your business. There are a lot of benefits that come when you do get commercial insurance for your business.

Coverage for Assets

A good reason to have a commercial insurance plan is to get coverage for your assets. A business must invest in many assets to keep the company up and running. Losing these assets to theft, fire, or other forms of damage could be very detrimental to the organization. When you have the right commercial insurance plan in place, it will offer the support you need. 

Liability Insurance

A liability insurance plan is also an important part of commercial insurance policies. There is always a risk that your company can be named liable for an accident, and commercial insurance is the best way to reduce this risk. If you do get this coverage, it will provide the support that is necessary to offset this risk, which can protect the viability of your organization. 

If you own a business in the Newport Beach, CA area, it would be wise to speak with an insurance professional you can trust. When looking for a new plan in this area, it can be a great idea to call our professionals with Murvay Insurance. Our insurance team at Murvay Insurance can offer any support you need to build a new plan to protect you and your business. 

Top Tips for Finding California Homeowners Insurance

California homes have value. Talk to anyone on the street, and they’ll acknowledge the investment of California real estate. Yet, as with most things of value, the unexpected could strip that value away. That’s why homeowners need the right insurance for their California investments. Murvay Insurance of Newport Beach, CA has some tips to help you find the right coverage.

Use Online Tools to Find Insurance

The state of California wants to ensure you have adequate insurance and provides several tools to help you in your policy search. Try the Residential Insurance Company Contact List to find a directory of licensed home insurance companies, or use this to verify a leading favorite. If you need support to get your policy, check the Find an Agent or Broker tool instead. If you already have a quote, check the competitiveness of this rate using the Homeowner Premium Comparison Tool and Homeowner Coverage Comparison Tool to verify you’ve got a fair plan.

Insurance After Non-Renewal

The California Department of Insurance counsels that non-renewals have been an increasing issue for California homeowners. A non-renewal means you need to change insurance companies and policies – or risk a dangerous lapse in coverage. First, try contacting your insurer to identify any issues which may have caused this coverage lapse. Depending on the reason, you may be eligible to protest this cancellation. If you cannot renew your current policy, the California FAIR Plan offers a fallback for otherwise difficult-to-insure homeowners.

Murvay Insurance serving Newport Beach, CA is ready to help you find the right homeowners insurance. Contact us today for a quote!

Teens on the Road and Recommended Insurance Practices

Many questions arise when it’s time for teen drivers to begin hitting the road. Parents and guardians likely wonder which options best protect teen drivers on and off the road. Anyone in the Newport Beach, CA area can count on Murvay Insurance to provide the insight and recommendations necessary to get the ideal coverage.

Teen Driver Insurance 

There are two basic options for choosing insurance coverage for teen drivers. Parents and guardians can put their teen on their own insurance policy, or they can purchase a separate teen driver insurance policy. There are several points to consider based on individual circumstances when selecting. It’s essential to understand that insurance coverage changes are significant when teen drivers are added to a policy. This change occurs because teen drivers have a much higher risk factor for collisions and other events than adult drivers. This consideration is why many parents and guardians have a separate policy for teen drivers. However, other households may add a teen driver to an existing policy.

For more information and insight, individuals can contact one of our helpful and knowledgeable insurance agents for more details. They can sit down with each client to individually assess their situation to understand all the factors. Based on their assessment, they can recommend certain options for clients to consider. Once a decision is reached, agents can help secure the policy or make amendments to an existing policy. Additionally, they can also provide support if there is a claim.

Reach Out Today 

Residents of the Newport Beach, CA area can turn to Murvay Insurance to provide them with the customer support and insurance options they need to protect teen drivers. Call or stop by our office today to speak to one of our insurance agents and get started with coverage options that meet your specific situation.