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Office Address
| Monday | 8:30 AM - 5:00 PM |
| Tuesday | 8:30 AM - 5:00 PM |
| Wednesday | 8:30 AM - 5:00 PM |
| Thursday | 8:30 AM - 5:00 PM |
| Friday | 8:30 AM - 5:00 PM |
| Saturday | Closed |
| Sunday | Closed |
Frequently Asked Questions
California law mandates the following minimum liability coverage for car insurance:
- $30,000 for injury or death to one person
- $60,000 for injury or death to more than one person
- $15,000 for property damage
While these are the minimum requirements, it’s often recommended to purchase higher limits for better protection.
If you’re in an accident, follow these steps:
- Ensure safety by moving to a safe location if possible.
- Call the police if necessary (especially for injuries or major damage).
- Exchange information with the other party (name, contact info, insurance details, etc.).
- Take photos of the accident scene and damages.
- Report the incident to your insurance provider as soon as possible.
Yes, you can add other drivers to your auto insurance policy. This includes spouses, children, or roommates who drive your vehicle. However, their driving history may affect your premium rates.
It’s important to periodically review your coverage, especially after major life changes like buying a home, getting married, or having children. A good rule of thumb is to ensure that your property is insured for its full replacement value and that your liability coverage reflects your personal assets. Working with an insurance agent can help you assess your needs and adjust your policy accordingly.
Filing a claim generally involves the following steps:
- Contact your insurance company as soon as possible after an incident.
- Provide necessary documentation (photos, police reports, receipts, etc.).
- An adjuster will assess the damage and estimate repair or replacement costs.
- You’ll receive compensation based on your policy coverage and deductible.
Always keep a copy of your policy and any claim correspondence for your records.
While California is not as prone to flooding as some other areas, certain regions (especially those near rivers, lakes, or coastal areas) can be at risk. Standard homeowners policies do not include flood coverage, but you can purchase it separately through the National Flood Insurance Program (NFIP).
There are several ways to save on personal lines insurance:
- Bundle your policies (e.g., combine your home and auto insurance with the same provider).
- Increase your deductible (higher deductibles usually lower premiums).
- Maintain a good credit score (insurers often offer lower rates to individuals with better credit).
- Install safety features (security systems, smoke detectors, and anti-theft devices may earn you discounts).
- Ask about discounts for things like being a safe driver, having multiple cars, or being a homeowner.
Personal umbrella insurance provides extra liability coverage above and beyond the limits of your homeowners, auto, or renters policies. It helps protect your assets in case of major accidents, lawsuits, or other large financial risks. If you have significant savings or assets, an umbrella policy can offer additional peace of mind.
Auto insurance typically includes:
- Liability Coverage: Helps pay for damages to others if you’re at fault in an accident.
- Collision Coverage: Covers damages to your vehicle resulting from a crash.
- Comprehensive Coverage: Protects against damages caused by non-collision incidents, like theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with someone who has insufficient or no insurance.
Renters insurance provides coverage for your personal belongings in case of theft, fire, vandalism, or other unexpected events. It also includes liability coverage, which helps if someone is injured while on your rented property. Even if your landlord has insurance, it won’t cover your personal items or liability.
Don’t see your question? Contact us.
