It is documented that driving is the most hazardous activity we regularly participate in. As such, it is crucial your auto insurance is set up correctly. Don’t let the industry tell you to compare price only and save time. You need to know what your insurance does for you first. We can help tailor an auto policy that will perform the way you expect when you need it to.
Auto Insurance Coverage Options
Auto Insurance coverage varies based on your needs. There are many options involving your coverage including:
- Bodily Injury and Property Damage Liability
Liability Coverage for injuries and damage you cause to someone else or your passengers. California has minimum required coverage limits, but you may choose to carry higher limits in order to protect your assets from claims exceeding that amount.
- Uninsured and Under-insured Motorist Coverage
Not everyone will carry adequate insurance coverage to fully cover your loss or injuries. This coverage will reimburse you for your injuries and loss of income. Auto insurance does more than protect your vehicles from accidents which happen every minute of the day; it also protects you and your passengers from the truly unexpected when an at-fault driver injures you on the road.
- Medical Payments
Medical payment coverage provides immediate payment for medical services rendered, to you and or your passengers. Limits are usually between $1,000 to $10,000 regardless who is at-fault.
- Collision Coverage
Coverage for damage to your own vehicle in the event of a collision with an object or other car, from flipping over, and even damage caused by potholes. Collision coverage will pay for your repairs to your own vehicle when you’re at fault in an accident.
- Comprehensive Coverage
Coverage which pays for a loss due to theft or damage not caused by a collision, such as fire, falling objects, floods, riots, and impact with animals such as deer. Comprehensive coverage also protects you for cracked or shattered windshields.
- Towing and Roadside Service
Provides service for vehicle disablement including towing, flat repair, lockouts and gas.
- Rental Car Coverage
Coverage for a rental car is provided when your vehicle experiences a covered loss and is in the repair shop in the event of a collision or comprehensive loss.
- OEM Parts Replacement
When insurance companies repair vehicles, they usually choose aftermarket parts. While these parts are many times the same as, if not better than original parts, this endorsement provides for manufacturer original parts during repair.