Looking for an auto insurance agent in San Fernando Valley?
In golden Valley we`ve got you covered.
Whether you live in San Fernando Valley or any other part of California, when most people think about auto insurance, they think about damage to their car. The truth is auto insurance covers much more than just your car.
Given the amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are big.
You`re at risk almost every single day you get in your car.
Important Auto Insurance Coverages
When you browse through your policy, you may see certain coverage and wonder exactly what they are, and why they’re on your policy. Let us clarify a few of the more important ones for you.
Collision Coverage – This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc.
Comprehensive Coverage – This coverage also protects your car, but in the event that something else damages your car, this is not a fized, or moving object. For example, theft, a rock that cracs your windshield while you’re driving on the highway.
Property Damage – suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that belongs to someone else. This is the part of your policy that compensates the other person for that damage.
Bodily Injury Liability – This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it`s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured liability – this coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important par of your auto policy because you have zero control over how much insurance other people are driving around with.