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Home > Insurance Services > Personal Auto Insurance

Personal Auto Insurance

Description of Coverage:

  • Liability (Bodily Injury and Property Damage)
    Protects you against claims in the event you injure another person or damage someone else's property in an automobile accident involving the covered motor vehicle. You should purchase limits high enough to provide adequate protection for your family and you. If you cause an automobile accident and do not have enough limits of insurance to cover your legal obligations, you could be held personally liable and would have to pay any debt incurred out of your own assets.
    ** If a liability claim is filed against you, your insurance company will investigate it and decide whether it should be paid, negotiated, or defended in court. The insurance company will also pay the legal costs of settling the claim.
  • Uninsured/Underinsured Motorist Coverage
    Provides benefits to you if a motorist who does not have insurance coverage or a motorist who is underinsured becomes legally liable for bodily injury sustained by you or for property damage to your vehicle. This coverage also provides protection for you if you are involved in an accident with a driver from a state that does not require compulsory insurance. A deductible applies.
  • Comprehensive Physical Damage Coverage ("Comp")
    Covers damage to your vehicle caused by fire, theft, flood, vandalism, or contact with a bird or animal.
  • Collision
    Covers any direct or accidental damage caused to your vehicle by collision with another object or by the overturning of the vehicle. The loss must occur within the United States, its territories or possessions, Puerto Rico, or Canada.
  • Medical Payment
  • Towing and Rental

How are my rates determined?

  • The premiums you pay to insure your car can vary dramatically. Here are some of the factors that may influence how much you pay:
  • Your driving record. Your record plays a crucial role in determining premiums. If you’ve been involved in an accident that was determined to be your fault or if you have traffic convictions on your record, you may pay more for your insurance. That’s because statistics indicate such drivers generally have repeat accidents or violations within three years. For drivers with poor records who cannot find coverage, there are state-regulated insurance plans called “assigned risk pools” or “shared markets.” In these plans, the state assigns a company to provide coverage for a high-risk driver. (*GOOD DRIVER)
  • Your family members. Insurance premiums not only reflect your age, gender and driving record, but those of other licensed drivers in your household as well. A teenage son who drives your car or a spouse with a poor driving record is likely to increase your insurance rates.
  • The car you drive. Certain car models may be considered risky because they cost a lot to repair, are frequently involved in accidents or are popular with car thieves. Owning one of these cars may double your collision and comprehensive premiums. High-performance cars and sports cars, for example, usually cost more to insure. Keep this in mind when shopping for a car to prevent costly surprises when it comes time to insure it.
  • Marital status. Statistically, young married drivers have fewer accidents than young single drivers, so they generally pay lower premiums.
  • Where you live. Rates are regulated on a state-by-state basis, so rates in California and Rhode Island will differ. Rates also vary between locations within a state. That’s because the risks—of accidents, theft and vandalism—vary significantly from one community to another. For example, people in small towns generally have been found to have fewer auto accidents than people living in large cities, so they may pay less for insurance. Other variables include typical regional weather conditions and local auto repair prices.
  • Age. As a general rule, drivers under age 25 have more accidents than older drivers, so they pay more. Drivers between 50 and 65 years of age have low accident rates and are sometimes offered discounts. Past the age of 65, accidents seem to increase and rates generally begin to rise again. People over 70 may have trouble finding an insurer to accept them as a new customer, and when they do find coverage, it may be expensive.
  • Gender. A young man under age 25 generally pays more than a woman of the same age. This is because young men are involved in more accidents than young women and have more than three times as many fatal accidents.

Auto Discount:

  • Anti-Theft
  • Good Driver
  • Loyalty
  • Mature Driver
  • Multi Car
  • Multi Policy
  • Highly Educated workers

Automobile accidents and no insurance

  • If you don't have Personal Automobile insurance -- perhaps because you use a company vehicle -- you have a number of possible uninsured exposures.
  • For example, you may be without protection in any of the following situations:
  • If you borrow someone else's car.
  • If you rent a car.
  • If you are injured while using a borrowed or rented car -- whether you're driver or passenger.
  • If you suffer a loss of income as a result of injury while using a borrowed or rented car -- whether you're driver or passenger.
  • If a member of your family (spouse, child, etc.) is involved in any of the above-mentioned situations.
  • If you are involved in an accident with an uninsured driver.
  • If you are driving a company-owned/-insured car with a "fellow employee" as passenger.
  • If you are subject to any of these exposures, it may be both easy and economical to obtain coverage. In many cases, the purchase of Personal Automobile insurance is not necessary, assuming you don't own or "long-term" lease a vehicle.
  • In addition, if you don't give adequate, repeat warning of these exposures to your employees that have company vehicles, and urge the possible need for Personal Automobile insurance, you might be held liable for their uninsured accidents! Furthermore, this "error" or "omission" would not be covered under your Commercial Automobile policy.
  • If any of this information applies to you, please call us to explain your particular circumstances so we can determine what needs to be done to correct this situation for you.


Call : 626-968-8867
Local agency
15920 Halliburton Road,
Hacienda Heights, CA 91789

Q & A

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