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automobile insurance coverages

Choosing The Right Auto Insurance Policy

The right Auto Insurance Policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide liability protection against medical and legal expenses resulting from injury, loss of life or property damage caused by an accident involving your vehicle.

An Auto Insurance Policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific Auto-Related financial losses during the term of the policy. We can help you determine the best coverage for your vehicle insurance coverage needs.

How Much Auto Insurance is Right for You?

Our team of Automobile Insurance Professionals understand the California Car Insurance Liability Coverage needs of our customers and are available to assist you in attaining the apporpriate Auto Insurance Plan required by the State of California.

Liability Coverage for Losses You Cause to Others

California Department of Insurance (CDI) Law requires drivers to be able to pay for losses they cause others. Having Automobile Liability Insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have liability insurance which also covers damage to your own vehicle.

Uninsured & Underinsured Motorist Insurance

Uninsured & Underinsured Motorist Insurance protects you with coverage for bodily injury caused by an uninsured motorist who is at fault in an accident and injures you.

Medical Payments Insurance

Medical Payments Insurance provides minimal (up to $500) for medical bills regardless of who is at fault in an auto related accident. We would be happy to help you ensure you have the right car insurance coverage.

Collision Insurance

Collision Insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive Insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.

Every Person and every Auto Insurance Policy Coverage Requirements are unique. Give us a call today and find out how to get the Best California Automobile Insurnace Plan, Price and Value Taylored just for You.

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