Tag Archives: California

Do you have COBRA?

Covered California Creates Limited Special-Enrollment Period for Those Covered by COBRA

COBRA Enrollees Have 60 Days to Switch to an Exchange Plan; Move Is Expected to Save California Consumers Money on Health Insurance

SACRAMENTO, Calif. — Beginning Thursday, May 15, Covered California will launch a limited-time special-enrollment period for people who have COBRA health insurance and would like to switch to an exchange plan.

People who have health coverage through COBRA (the Consolidated Omnibus Budget Reconciliation Act) will be eligible to shop for and buy coverage through Covered California from May 15 through July 15, 2014. The two-month window mirrors a U.S. Department of Health and Human Services (HHS) ruling announced May 2 that allows COBRA enrollees to buy plans through the federal exchange until July 1st.

Covered California™ and the California Department of Health Care Services (DHCS) announced today that from Oct. 1, 2013, to March 31, 2014*, under the Patient Protection and Affordable Care Act, 122,971 consumers in two Inland Empire counties enrolled in subsidized and non-subsidized Covered California health insurance plans. The new total represents a 70 percent increase from the 72,340 enrollments recorded through Jan. 31.

A strong turnout in the closing weeks of open enrollment in Sacramento counties helped push county enrollment in Covered California health insurance plans to 400,889 consumers. The results announced today by Covered California™ and the California Department of Health Care Services (DHCS) represent a 66 percent increase during March* over the 241,312 enrollments that had been recorded .The new total represents a 59 percent increase from the 76,875 enrollments recorded through Feb. 28.

The Real Value of Motorcycle Insurance

It may sound obvious, but anyone who owns a motorcycle needs motorcycle insurance. Aside from the fact that it is illegal to operate a motorcycle on a California highway without insurance, operating a motorcycle without any insurance is leaving yourself vulnerable to paying out of pocket for thousands of dollar in expenses. It is much safer to operate your motorcycle when you protect yourself with quality motorcycle insurance.

Motorcycle insurance policies generally cover:


  • Property damage and bodily injury liabilities
  • Uninsured Motorist
  • Medical bills
  • Collision and comprehensive insurance options

Naturally, there are additional coverage options known as specialized insurance option. These can include coverage for total loss replacement, accessory coverage, rental vehicle coverage, transport trailer coverage, and roadside assistance and other emergency service.

Motorcycle Insurance and You!

Investing in a proper motorcycle insurance plan is considered invaluable. Motorcycle insurance is a completely separate insurance policy, when compared to car insurance. You can’t actually use car insurance to cover your motorcycle, because motorcycles and other recreational vehicles are considered to have specialized needs different from those of a standard car.

The standard motorcycle insurance policy will usually cover minor to sever accidents; along with assisting in paying those expensive repair and hospital bills in the event that you are found to be at fault for the collision. When you are operating your motorcycle, it is important to have the piece of mind that you have a good policy to back you up in the event of a collision. A good policy will have benefits such as:

  • Immediate coverage for damages to your motorcycle
  • Immediate coverage for personal injury

You wouldn’t operate your car without car insurance and as we found out last week, we wouldn’t operate our RV without the proper RV insurance. So why would you operate your motorcycle without proper motorcycle insurance? You wouldn’t! Whether your motorcycle is your daily commuter or a luxury vehicle,  Mertens Insurance can work with you on a policy that will fit your specific needs.

Learn additional reasons why your recreational vehicles should be insured…

Click here for more information about Mertens Insurance Motorcycle Insurance policies and to contact us today!

Covered California Gearing Towards Meeting Goals

According to the latest information, approximately 728k have signed up through Covered health insuranceCalifornia so far. This is more than halfway toward meeting the original projection of 1.3 million for individual policies by the March 31st enrollment deadline, per federal data released last Wednesday.  Six weeks remain until the end of enrollment, and exchange director Peter Lee said last Monday that he expects March to be a very busy time as people try to enroll before the deadline.

Continue reading Covered California Gearing Towards Meeting Goals

New Year New Insurance

California Auto Insurance Coverage

No matter if you’re planning a day’s trip or a family outing, you need to make sure you are protected with proper car insurance coverage.

California imposes stiff penalties for a lapse in auto insurance coverage.  The court may impound your car and hold it until you are able to show proof of insurance coverage. If you are pulled over without proof of car insurance or any other form of financial responsibility, you may face the following fines:

  • $100 – $200 – first offense
  • $200 – $500 for each offense within 3 years after your first.

California is known for being an innovative leader when it comes to laws – and car insurance is no exception.

For example, if you have a clean driving record, California insurance companies are required to offer you a good driver’s discount. They can’t use your credit score to price your premium.

California Minimum liability requirement laws* requires that you are able to cover costs associated with damages or injuries you may be responsible for in a motor vehicle accident. A standard auto insurance liability policy will meet California’s minimum requirements:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

If you decide not to buy car insurance, there are other options that you can choose to meet your financial responsibility requirements, including:

  • A $35,000 cash deposit with the CA DMV.
  • A Certificate of Self-Insurance from the DMV.

Only available if you own a fleet of at least 25 cars registered to your name.

  • A surety bond of $35,000 from any company licensed to do business in CA.

Not having car insurance in California can also result in a suspension of your car’s registration if:

  • The CA DMV is notified of your insurance cancellation and you have not replaced it within 45 days.
  • Your car insurance information is not given to the DMV within 30 days of your car’s initial registration or transfer of ownership.
  • You registered your car with false evidence of insurance.

By law, all car insurance companies are required to notify local DMV offices of dropped or lapsed insurance policies. Don’t risk a suspension of your vehicle’s registration.  Call now for your free car insurance quote.

We’ve got you covered.
*Please note state minimums may change from time to time. Check with California DMV if you have additional questions about current state minimums.