Property & Casualty Insurance/Expert Profile

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I can't answer Q's specific to other states, but on a general basis, just about any insurance matter.

Experience in the area

A life and property & casualty agent/broker since 1971. Former Certified Insurance Counselor (I gave it up after about 20 years) Broad career in personal and commercial lines with minor in life and health.




Some trade press.


BS Insurance from Golden Gate University, San Francisco, CA 1975

Past/Present Clients

Unable to discuss.

What do you like about this subject?

Always learning something new from my clients.

What do you still hope to achieve/learn in this field?

I'm working toward eliminating the confusion which leads to frustration and bad decisions on the part of consumers. Working toward empowering consumers with the tools and knowledge to make better informed choices.

Something interesting about this subject that others may not know:

Court decisions that directly impact what your rights are under a policy are not noted in your policy. Knowing your rights is key to being sure that you receive a fair claim settlement.

Something controversial or provocative about this subject

Some people buy warranty coverage for appliances, cars, and homes not realizing it is a form of insurance. In most cases these warrantys are very highly priced, and sold based on fear. Most of that money is wasted, yet the same people may think their car, home, or business insurance is too expensive.

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