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Uninsured Driver – What Happens If I Get In A Wreck With An Uninsured Driver?

Most states have mandatory minimum auto insurance laws, but some people still drive as uninsured drivers. The Insurance Information Institute (III) reports that in a recent study, 13%, or one in eight drivers in the U.S. is operating a vehicle without insurance. Many such drivers cannot afford the cost of car insurance, which makes it difficult to collect damages after an accident. Fortunately, there are ways to protect yourself if you have been involved in a wreck with an uninsured driver.

Uninsured Motorist Coverage

Uninsured motorist protection is a type of auto insurance designed to protect you if a driver without insurance causes a car collision. Hit and run accidents are also covered. This coverage is optional in most states but required in others. If the driver who caused the crash has no car insurance, your uninsured motorist coverage will kick in to cover your damages, up to your policy limits.

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Los Angeles Traffic Lights Adjusted To Prevent Unsafe Speeds During Pandemic.

Traffic lights in Los Angeles have been adjusted to attempt to reduce speeding on the uncongested streets during the COVID-19 pandemic, the Los Angeles Department of Transportation announced Wednesday.

Traffic signals across the city have been indefinitely put on “nighttime mode,” which allow them to operate independently to serve cars as they arrive, instead of coordinating automatically to ease traffic congestion, LADOT said.

This will prevent drivers from speeding through consecutive intersections without any red lights stopping them.

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Who can file a “simple” return?

What is a ‘Simple” Return?
A “simple” return is a quick way to submit information to the IRS for the sole purpose of getting stimulus money. Only qualifying taxpayers without a filing requirement and did not file federal returns for 2019 and 2018 will need to file a “simple” return in order to receive stimulus money.

To file a “simple” return you will need the following information:

  1. Full name and valid work SSN of taxpayer (and spouse if filing jointly)
  2. Current address
  3. Name, SSNs (or ATINs), and relationship of children under age 17. Children with ITINs do not qualify for stimulus money.
  4. Bank account information if requesting direct deposit.
  5. Determine if the taxpayer is married or single. Only a filing status of “single” or “married filing joint” is allowed.

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Access Insurance out of California

Access Insurance

California Insurance Commissioner Dave Jones has issued a cease and desist order against Access Insurance Co., which requires it to immediately stop transacting, soliciting, negotiating, or administering and writing any new or renewal insurance business of any kind in the state of California.

We regret to inform you that the California department of insurance has ordered Access Insurance Company to stop doing business in California. What does this mean? If you have access as your insurance company contact us as soon as possible to switch you over to another company. If you require only Minimum Liability Insurance contact us for a quote.

Yessenia’s Customers

Contact us to help you with this transition as we have already helped many of our current customers. In some cases our customers have switched over to other providers and saved money. At Yessenia’s we will do anything we can to make sure our customers are aware of the access insurance issue. If you need to add another car to your policy right now is the best time to do so as we will not charge an office fee for all customers that we are switching over.

Access will not be taking any more payments and all policies will be terminated by April 12, 2018.


Important Notice

Access Insurance Company was placed into liquidation based on a finding of insolvency on March, 13, 2018. All Access Insurance Company policies will be terminated by no later then April 12, 2018, unless they otherwise expire beforehand. You need to obtain substitute coverage before that date. Claims will be handled by your state’s Insurance Guaranty Association according to the provisions of its enabling status.


We will post more information on how to make a claim or you can call us for any information you may have at 1-800-383-4008.

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Insurance Minimum Coverage I Need In California?

Wow, do I need Auto Insurance?

Driving on the roadways  will require to have a piece of paper as a result . Insurance is required on all vehicles operated or parked in California. You must carry evidence of financial responsibility in your vehicle at all times.

As a result you must be provided as specified below when:

  • Requested by law enforcement.
  • Renewing vehicle registration.
  • The vehicle is involved in a traffic collision.

What Are the Minimum Liability Insurance Requirements for auto?

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

Liability insurance pays a person other than the policy holder for personal injury or property damage. Comprehensive or collision does not meet vehicle financial responsibility requirements so you will need to call. Call us here at Yessenia’s if you have any questions.