Schneiderman Insurance Agency, Inc. Blog
If there's one thing that nobody likes to experience on the road, it's a car crash. It can be stressful, especially if the other driver leaves the scene. With many of these situations happening, it is only right that you understand what this means for your car insurance.
Hit and runs are any type of road accident where the driver hits a vehicle, object, or person. The driver knowingly flees the scene immediately without offering their information or help. Damages can be incurred such as yourself, the passengers, and the car itself. It is where your car insurance policy helps you with your expenses.
Depending on which state you're residing in, these are the following coverage options that your auto policy may cover:
Every policy starts with a quality action insurance plan to determine what coverages are needed and what limits best serve the insured party. Here are some suggestions for developing an action insurance plan for various types of insurance policies.
Permissive use related to auto insurance policies is a common issue that policy holders need to understand. Our agency has noticed that many auto insurance policy holders have been misinformed by their previous agents, or have been operating outside the scope of their insurance policy’s guidelines regarding permissive use, and may have unintentional gaps in coverage of which they are unaware.
Uninsured motorist coverage is an often misunderstood auto insurance coverage and is far too often declined by the policyholder, but it does a lot more than most clients are aware. While uninsured motorist coverage is typically associated with an accident involving two or more cars, the coverage often applies when an uninsured motorist hits a bicyclist or a pedestrian.
Purchasing auto insurance in Los Angeles can bring up many concerns for the average driver and vehicle owner. While every driver in California is required to have auto insurance and the state requires certain minimum liability limits, not everyone obeys these laws. As we have to consider our own needs to protect against liability claims and uninsured motorists it is important to better understand auto insurance and the options available.
Not every auto insurance policy is equal. One company might have a low rate and another might seem high, but it takes a trained professional to help the public understand the difference.
So, you saved up for years to buy a car, and now you are looking for a cheap auto insurance policy. Whether you live in Granada Hills, Los Angeles, Northridge, Calabasas, Santa Monica, Simi Valley, Encino or Thousand Oaks you’ve worked hard to get where you are. Why take a chance by shopping for a cheap auto insurance policy that is meant to protect you and your family?
Many people are unaware that car insurance does not cover personal belongings in your automobile. Even a full coverage auto insurance policy will not compensate you for damaged or stolen possessions. While your car might be covered for damage or theft, only your auto itself is covered. Therefore, the personal property inside the vehicle are not considered part of the vehicle and are not included in its valuation when it comes to an auto insurance policy. Drivers and passengers carry many valuable items with them when on the road, from cell phones and laptop computers, to leather jackets and other valuable items.