| 1. |
Bodily Injury - Liability
(Minimum Limits $15,000/30,000)
Pays for bodily injuries to other people caused by your automobile if you
are at fault. Pays up to your covered limits.
Required by California Law. |
| 2. |
Property Damage - Liability
(Minimum Limits $5,000)
Pays for other persons automobile or private property
damages if you are at fault. Pays up to your covered limits.
Required by California Law. |
| 3. |
Medical - Liability
(Minimum Limits $1,000)
Pays up to your covered limits for
medical expenses for you and your passengers regardless of who is at fault.
Not Required by California Law. |
| 4. |
Uninsured Motorist - Liability
(Minimum Limits $15,000/30,000)
Pays for bodily injuries for you and your passengers
if caused by an uninsured or a hit and run driver. Pays up to your covered
limits. Not Required by California Law. |
| 5. |
Uninsured Motorist Property Damage - Liability
Pays for damage to your vehicle up to $3,500.00 of value or pays your
deductible if you have purchased collision coverage. Must be caused by an
uninsured but identifiable driver.
Not Required by California Law. |
| 6. |
Comprehensive (Fire and Theft - Physical Damage)
Pays for damages to your automobile caused by other than collision. Includes
such losses as Fire, Theft, Vandalism, Flood, Windstorm, and Broken Glass.
Pays for damages over and above your selected deductible.
Required by your lender if you are financing your
automobile. |
| 7. |
Collision (Physical Damage)
Pays for damages to your automobile caused by collision with any object or
by upset. Pays for damages over and above you selected deductible.
Required by your lender if you are financing your
automobile. |
The Law
California Law requires each vehicle to be
covered by minimum (1) Bodily injury and (2) Property Damage Liability Insurance
Coverage. Failure to do so may result in a fine up to $1000.00 Your driving
privileges may also be suspended up to one year if you are involved in an
accident without Liability Insurance - whether it is your fault or not!!!
Supplemental Coverages
Excess Liability for Bodily Injury, Property
Damage, Medical, and Uninsured Motorist are also available at higher limits.
Towing and Road Service plus Car Rental Reimbursement are also available.
Low Rates
Our agency represents numerous Auto Insurance
Companies approved by the California Department of Insurance. This aids us in
finding the best rate for you regardless of your insurance history or driving
record. Let our staff of trained professionals do a rate analysis for you at no
cost or obligation. We can Quote over the phone - just give us a call!!
Deductible
The amount you are obligated to pay out of pocket
before your car can be fixed. The insurance company pays the claim over and
above selected deductible. Generally speaking, the higher the deductible, the
lower the premium.
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