Lorraine Enriquez Insurance Agy

Lorraine Enriquez Insurance Agy Affordable rates for all your insurance needs Our mission is to work with you to find you the best rates for all of your insurance needs. We are here for you!

From basic health insurance, auto, home and life, to complex business, workers comp, flood, bonds, and on and on.

We offer dental plan options for you, your business and family. Contact me anytime!
05/22/2023

We offer dental plan options for you, your business and family. Contact me anytime!

04/13/2023

Working with clients to make sure their health insurance policy is updated. When the public health emergency started (Covid19) in 2020, many people were eligible for a low cost heath plan.

The laws has changed so reach out to me if you've had changes in your income, new address and any other life events that may effect your eligibility!

In case you missed President Biden’s speech, here it is and worth your time to read. Biden’s core message last night was...
09/03/2022

In case you missed President Biden’s speech, here it is and worth your time to read.

Biden’s core message last night was clear. American democracy is under attack.

But today’s media coverage is just more he-said/she-said reaction quotes. The New York Times published a piece that quoted Republican House minority leader Kevin McCarthy, who said Democrats are the ones “dismantling Americans’ democracy.” The Times failed to point out that this claim is inaccurate, and that McCarthy himself was one of 139 House Republicans who voted to overturn the results of the 2020 presidential election even after the attack on the Capitol. Ronna McDaniel, the chair of the Republican National Committee, was quoted in the same article calling Biden “the divider in chief” and accused him of exhibiting “disgust and hostility towards half the country.” The Times also characterized a more general Republican objection to Biden’s speech: that he “was maligning the 74 million people” who voted for Trump in 2020.

Let’s be clear: We are in a battle for the future of democracy.

If Trump has broken the law – by attempting a coup, by instigating an assault on the US Capitol, by making off with troves of top-secret documents – he must be prosecuted. If found guilty, he must be penalized, including by prison.

Yes, such prosecutions might increase tensions and divisions in the short term. They might provoke additional violence.

But a failure to uphold the laws of the United States would be far more damaging in the longer term. It would undermine our system of government and the credibility of that system – more directly and irreparably than Trump has already done.

Not holding a former president accountable for gross acts of criminality will invite ever more criminality from future presidents and lawmakers.

It is also important for all those in public life who believe in democracy to call out what the Republican party is doing and what it has become: not just its embrace of Trump’s big lie but its moves toward voter suppression, takeovers of the machinery of elections, ending of reproductive rights, book bans, restrictions on what can be taught in classrooms, racism and assaults on LGBTQ people.

While today’s Republican party does not have its own paramilitary, such as the Nazi’s Brownshirts, Republicans are effectively outsourcing these activities to violent fringe groups such as the Proud Boys, Oath Keepers and others who descended on the Capitol on January 6 2021 and who continue to threaten violence.

With the notable and noble exceptions of Liz Cheney and a few other courageous Republicans – most of whom are being purged – the Republican party is rapidly morphing into an anti-democracy movement.

The essential political choice in America, therefore, is no longer Democrat or Republican, left or right, liberal or conservative.

It is democracy or authoritarian fascism.

There can be no compromise between these two – no halfway point, no “moderate middle”, no “balance”. To come down squarely on the side of democracy is not to be “partisan”. It is to be patriotic.

Yet Democrats cannot and must not take on this battle alone. They must seek common ground with independents and whatever reasonable Republicans remain.

We must continue to appeal to truth, facts, logic, and common sense. We must be unwavering in our commitment to the constitution and the rule of law.

We must be clear and courageous in exposing the authoritarian fascist direction the Republican party has now chosen, and the dangers this poses to America and the world.

It is also important for Democrats to recognize – and to take bold action against – the threat to democracy posed by big money from large corporations and the super-wealthy: record amounts of campaign funding inundating and distorting our politics, serving the moneyed interests rather than the common good.

The two threats – one, from an increasingly authoritarian-fascist Republican party; the second, from ever-larger amounts of corporate and billionaire money in our campaigns and elections – are two sides of the same coin.

Americans who know the system is rigged against them and in favor of moneyed interests are more likely to give up on democracy and embrace an authoritarian fascist demagogue who pretends to be on “their side”.

The battle to preserve and protect democracy is the most important battle of our lifetimes. If we win, there is nothing we cannot achieve. If we lose, there is nothing we can achieve.

Great idea!
09/23/2021

Great idea!

05/31/2018

My customers are always asking me to run their MVR (Motor Vehicle Report). I can't do that unless I'm going to sell the auto insurance policy. Now, I have good news that the CA Dept of Motor Vehicles allows you to run your own MVR for $2.00! Just follow the prompts to set up a user and password, and presto you will have your report!

12/07/2016
03/01/2016

Happy Super Tuesday to those of you in States that will be voting today.

08/24/2015

We may encounter many defeats, but we must not be defeated - Maya Angelo

05/29/2015

In case you were wondering if FEMA covers Earthquake damage, here are some things to know:
FEMA is not a replacement for insurance in the event of an earthquake. It is an emergency relief program that provides immediate assistance after a catastrophe, but will do little to help a family return to their existing standard of living.

Much of the assistance provided to families is in the form of loans that need to be repaid over time, in addition to direct aid that may have been provided. After Superstorm Sandy, 3,600 survivors were sent a recoupment notice from FEMA demanding an average of $6,000 back from each family.

The added premium necessary to protect an insured in the event of an earthquake is small when you consider that after an event there will be a substantial financial burden to those who choose to go bare.

05/27/2015

Engagement ring insuance 101: Some agent think that there’s only one person sitting in front of me and that person owns the jewelry so that’s the applicant – end of story.

Well, no. There’s a bigger story.

Ex. 1
If the applicant is married and lives in a community property state, both parties own the jewelry, so the spouse should be listed as the co-applicant.

Ex. 2
But suppose a man is about to surprise his beloved with an engagement ring. Technically she doesn’t own it yet, but she will very soon. She should be listed as co-applicant, since the insurable interest passes from him to her. (In a case like this, check the “Gift” box at the very top of page 1 of the application to be sure JIBNA keeps the surprise a secret!)

Ex.3
Suppose a woman has just received an engagement ring. It’s a fact that she, and not her fiancé, owns it. But if they break up and she gives back the ring, the “insurable interest” passes back to the man. Both parties should be listed.

In all cases involving engagement or wedding rings, or jewelry owned by married people, you and JIBNA want to name both parties and have both parties sign. In a few instances—as for engagement rings or surprise gifts—it isn’t possible or practical to get the signatures of both parties. However, both parties should still be listed on the policy.

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