What To Do After A Traffic Ticket

Got a traffic ticket? Here’s what you can do to minimize the damage.

A car accident causes physical damage. It might seem like a traffic ticket would be preferable, then, but the financial damage a ticket can do might leave you wishing you’d been in a fender-bender instead!

The good news is there are some things you can do. If you find yourself up against a traffic ticket, here are your options moving forward.

Option 1: Go to School If you hit traffic school, you might find yourself watching the hours tick by but you’ll also find yourself removing points from your license and your ticket from your record. In short, it’s worth the hassle (especially considering you can usually do it online) to remove the long-term repercussions of your infraction behind the wheel.

Option 2: Go to Court If you believe you have solid evidence that you didn’t do anything wrong, you can go to court and contest your ticket. If you win your case, you’ll be able to remove the ticket from your record, points from your license, and all other penalties you’d otherwise face. Just be prepared to spend a day in the courtroom fighting for your case.

Option 3: Get out your Wallet While not ideal, paying for your ticket is a whole lot better than facing further legal ramifications! Even if it’s a fairly sizable fine, paying out for your mistake can save you a serious headache—and even jail time—down the road. It’s worth the cost to put your ticket behind you.

A ticket could result in significantly higher premiums – unless you have an auto insurance provider who’s committed to working with you to keep your coverage affordable. For that kind of service throughout California, contact Stromsoe Insurance Agency.

El Niño & Your California Flood Insurance Needs

Why El Niño makes flood insurance especially important for your home.

All of sudden, it’s fall in Southern California. While we enjoyed (or didn’t enjoy – depending on your weather preference) unseasonably warm weather into November, the weather’s taken a turn.

No, it’s not just the usual weather patterns. Actually, experts are saying El Niño could be to blame for the sudden cold. They’re also predicting this weather pattern will bring serious storms our way.

If you can remember back to 1997’s El Niño, it caused millions of dollars of damage and cost over a dozen lives. According to people in the know, today’s climate models look a whole lot like they did in ’97. In other words, we need to be prepared for a very wet winter here in Southern California.

One of the best ways to be prepared is to buy flood insurance.  Don’t assume your homeowners insurance will protect you because, quite frankly, it won’t. Standard home insurance policies don’t include coverage against flooding, so you need a separate policy to be protected against rising waters this winter.

Also, don’t assume you can just wait until a major storm is rolling in to buy coverage! Flood insurance policies require a 30-day waiting period before they can take effect, so you need to buy your coverage now to be prepared against the seasonal surprises El Niño is projected to bring to Southern California.

Would you like more information about how to pair flood insurance with your existing homeowners insurance or renter insurance policy to be fully protected this winter? To talk to an expert who will evaluate your specific insurance needs and help you get covered, contact Stromsoe Insurance Agency. We’re dedicated to helping California renters and homeowners have the insurance policies they need to matter what our seasons bring our way!

Thanksgiving Recipe: Make Ahead Cranberry Sauce

Make Thanksgiving easier on yourself with this make ahead recipe for cranberry sauce.

When you think about Thanksgiving a few weeks in advance, it probably leaves you with a warm feeling. On the holiday, friends and family gather to share a traditional meal, express gratitude, and enjoy each other’s company.

On the day of Thanksgiving, you might be feeling differently. If you’re the chef to whom the bulk of the cooking falls, this day can get pretty crazy. Between preparing a fairly large bird, crafting plenty of side dishes, and still being expected to turn out a decent looking pie or two, Thanksgiving isn’t easy in the kitchen.

We know the struggle, and we want to help! That’s why we’ve handpicked this Thanksgiving recipe for cranberry sauce that you can make ahead. To take at least one thing off your to-do list, you’ll need:

  • 2 tablespoons of unsalted butter
  • 2 tablespoons of freshly grated ginger
  • 1 cup of orange juice
  • ½ cup of dark brown sugar
  • 16 ounces of fresh or frozen cranberries
  • ½ cup of orange marmalade
  • 2 tablespoons of minced cilantro
  • ½ teaspoon of black pepper

Melt the butter in a saucepan over medium. Add the ginger and cook for two minutes, stirring regularly. Add in the orange juice, sugar, and cranberries.

Cook until the cranberries burst open, forming a thick sauce. Stir in the marmalade and remove from the heat.

Right before you serve the sauce, stir in the cilantro and pepper.

You can make this sauce up to four days in advance; just keep it refrigerated!

Happy Thanksgiving from Stromsoe Insurance Agency. For all of your insurance needs throughout California, contact us today!

Preparing Your Home For Winter Weather

Are you—and your home—ready for the coming winter weather? Get prepared with this guide!

Can you believe it’s already November? Thanksgiving will be here before we know it, with the holiday season following right on its heels (thanks, Black Friday). That means that the coming months are only going to get busier.

Before the hectic time of year kicks into full gear, it’s important you deal with your other to-dos. Specifically, you need to think about preparing your home for winter. To help you do just that, here are a few pointers.

  • In case you missed it, experts a predicting that a monster El Niño is coming our way, complete with lots of rain. You might have been neglecting your gutters years into our drought, but its important you clean them out now. If you don’t, you could be left with water spilling everywhere you don’t want it – including right into your home.
  • There are some things you just shouldn’t try to DIY. Inspecting your furnace and chimney are a couple of them. Call out professionals to take a look at these systems before you’ll be using them this winter. It’s much better to deal with the small hassle of a routine inspection now than waiting to have a pro come out and fix your breakdown on one the coldest days of the year!
  • You want to keep warm air in this winter. Keep your house cozy and your heating costs down by checking the seals around your house. If you can fit a nickel in the gap between your windows/doors and your home, re-caulk those areas.

In addition to taking on these tasks, you also need to review your California homeowners insurance. If you’d like to do that with an expert who can advise you on the proper amount of coverage for your family’s needs, contact Stromsoe Insurance Agency today!