What You Need to Know About the New Traffic Laws in California

From time to time, there are new traffic laws put into place all over the country. As of January 1, 2017, there were some new additions to the traffic code in California. While these have been in place for nearly a year, there may still be some people who do not know what the laws entail for drivers in Los Angeles or Glendale, CA. These are just a few of the ones that you need to be aware of from Voi Insurance Solutions, LLC.

  • Electronic Wireless Device Usage – It is now illegal to hold an electronic device in your hand while driving. You can still mount your device on your vehicle if you use it for things such as navigation as long as it does not impact your view of the road. 
  • Child Safety Seats – If you have children that ride with you in your vehicle, you will want to make sure that you abide by this new law. Now, children that are 2 years old or under need to be rear facing and in the appropriate child seat unless they meet specific height and weight limits. 
  • Fee Increases – There are two different fee increases this year to be aware of. The first is the vehicle registration fee that is increasing from $10 to $63. The second is the environmental license plate fee increase which has increased by $10 for new license plates and $5 for transfer, renewal, duplication, or retention. 

It is important to keep up with any changing laws in your area to know that you are staying compliant. Another thing you need to do is ensure that you have great auto insurance and meet the legal minimums in the state. Contact Voi Insurance Solutions, LLC, serving Los Angeles and Glendale, CA, to check your policy and get quotes for a better one today. 

How to Find the Cyber Liability Insurance Policy That’s Right For Your Business

You can’t afford to operate a business without cyber liability insurance. If you try, your company may not survive the first hack. You need to put the proper security measures in place now, not later. You need Voi Insurance Solutions, LLC in Glendale, CA. 

Here are a few tips to help you find the cyber liability insurance policy that’s right for your business: 

  • Don’t spend too much or too little.
    • What are your risks? Do you manage people’s money? Do you have access to their financial records? If so, you will want better insurance than what might be needed if you run a pizza restaurant. That being said, don’t overdo it. Know what you can afford and purchase the best policy within your budget. 
  • Consider retroactive coverage. 
    • Not all insurance policies will protect you when you’re the victim of a cyber crime. Even if you have a plan in place today, it may not cover data breaches that began well before you even thought about cyber liability coverage. You need to make sure you buy a retroactive policy. Many large-scale hacks are planned well in advance and take years to roll out. Make sure you’re protected from all types of attacks, regardless of when they first started. 
  • Know what you already have.
    • Nowadays, many companies have at least some level of cyber liability insurance. Check your coverage and speak with an experienced insurance agent at Voi Insurance Solutions, LLC to learn more about what you need to protect your company from cyber threats. 

Do you live in Malibu, Los Angeles, or Glendale, CA? Do you need cyber liability insurance? Then, you need to call Voi Insurance Solutions, LLC at 877-950-3030. Contact us today and see what we can do for your business. 


Things Your Basic Home Insurance Policy May Not Cover

Voi Insurance Solutions, LLC asks, Whats Not Covered?

Home insurance is a necessity for homeowners in California. However, many people pick up a homeowner’s policy without fully understanding what their policy will and will not do. At Voi Insurance Solutions, LLC in Glendale, CA, we want you to have a full understanding that there are some things your basic home insurance policy may not cover.

Broad Form and Special Form

The most basic home insurance policy, sometimes called “broad form,” typically includes a certain number of perils. A step up from that, the “special form,” will extend that coverage to just about everything except specific hazards. Be sure to ask your agent for more details on what this means, and how it affects you.

Exclusions to Coverage

Earthquake damage – Often, insurance won’t cover earthquake damage. This exclusion can include other earth shifting activity, such as landslides, mudslides, and sinkholes.

Flood damage – Many insurers offer flood coverage separately. Floods can come from weather, proximity to water sources, sewage backups, and various other sources.

Mold – Home insurance may have some provisions for mold, but the stipulations can vary. For example, if the mold appeared because of something your insurance does cover, then the insurer may pay for mold cleanup.

Insect infestations – If termites invade and wreck the structure of your home, your insurance may not help you. Usually, it’s a home maintenance problem.

Home maintenance – If your home starts to fall into disrepair due to a lack of maintenance, then your home insurance won’t help. It’s your job to keep your home in good shape; it’s the job of insurance companies to assist you if accidents and unforeseen occurrences damage your home.

Pay Attention to Your Personal Home Insurance Needs

There are far more things an insurer may not cover in Los Angeles or Glendale, CA. You should pay attention to your policy and ask questions about specific things you may be affected by or that have a possibility of occurring. Contact Voi Insurance Solutions, LLC to discuss tailoring your home insurance to your specific needs. For quotes from home, try our online rating tool on our main page.