Archive for category: Auto

An Overview of How to Find the Best Auto Insurance Policy in California

Auto insurance helps keep you safe while on the road. However, searching for auto insurance coverage can be complex. There are a lot of factors that go into finding the right policy. This guide will help you find the best auto insurance policy in California.

Driving can be unpredictable at times due to ever-changing road conditions and the behavior of other drivers. You must be alert at all times because an accident can happen at any moment. Auto insurance includes collision coverage that protects you if your vehicle hits another vehicle or an object. You can also opt for more comprehensive coverage. Comprehensive coverage protects your vehicle if it is vandalized or suffers damage from a flying object or inclement weather, as well as potential theft.

Why Do You Need Auto Insurance?

Auto insurance provides multiple benefits to help you live a more comfortable lifestyle. For starters, driving without insurance is illegal. Driving without insurance can lead to you losing your license and possibly having your vehicle impounded.

Auto insurance helps you protect your assets and maintain a sense of financial security. If you are involved in a serious collision, you may be responsible for thousands of dollars worth of damage if you don’t have insurance. Perhaps strong winds uproot a large tree and that lands on your vehicle. Without auto insurance, you could face financial strain as you figure out how to pay for the damages.

If you are held liable for an accident, you are responsible for the injured party’s medical bills. If they suffer a severe injury, your assets may be at risk. Auto insurance gives you a safety net even when you are faced with horrible scenarios.

Auto Insurance Requirements in California 

As you look for the best auto insurance policy coverage in California, make sure that you are aware of the minimum requirements in the state. Stop by the Department of Motor Vehicles (DMV) or check online to see a list of minimum coverage required by the state which includes:

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Uninsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage

Auto Insurance Discounts in California 

Before you choose an auto insurance policy in California, make sure that you research discounts.

  • If you have a history of safe driving, you may qualify for a discount that can save you 5-10 percent on your annual premium.
  • If you only drive your vehicle on limited occasions, you may qualify for a low mileage discount or a pay-as-you-go coverage.
  • You may also qualify for a discount if you are a homeowner or a student with a strong academic record.
  • If you are registered with a notable automobile association, you can automatically qualify for special discounts.
  • Contact the DMV to see if you qualify for California’s Low-Cost Auto Insurance Program. To be eligible, you need to have a vehicle with a cash value under $25,000 and an income below 250 percent of the poverty level.

Things to Consider When Searching for the Best Auto Insurance Policy in California 

Consider the age of your vehicle. If you are driving an older model vehicle, it may not benefit you to get some types of coverage. Your policy needs will be different compared to someone who has a brand-new car. You must consider the financial aspect as well. If you’re trying to stay on a budget, that may impact the type of coverage that you can afford.

Remember that your deductible is a big part of your auto insurance policy. You are required to pay your deductible before your insurance coverage handles the situation. The higher your deductible is, the lower your monthly premium. Look into third-party coverage. Third-party coverage provides benefits for third-party damages. In some cases, a third-party plan is more beneficial than a comprehensive plan.

Research the renewal and claims process. Thoroughly check your policy’s claims process to ensure that it meets your needs. Look over the renewal process. You should be able to renew your policy without any difficulty.

Riders 

Another significant aspect of choosing the best auto insurance policy coverage is finding the top riders. Insurance riders are extra coverage that you can add to your policy for added customization.

  • Waiver of Depreciation: This coverage outlines that no depreciation will be considered regarding your new vehicle for a specified period.
  • Rental Car Service: This coverage mandates that you will have access to the use of a rental car while the damages to your vehicle are repaired.
  • Roadside Assistance: This coverage ensures that you’ll receive urgent service if you are on the road and your vehicle is in trouble. You can receive emergency towing service, have your battery receive a jump start, or have your gas tank filled up.
  • Loss of Valuables: This coverage gives you the ability to file a claim if some expensive valuables such as a stereo system.

Does Auto Insurance Cover Legal Fees?

Auto Insurance Cover Legal Fees

Car insurance is there to help protect our pockets and vehicles when the worst happens. While many of us have this reliable coverage, not all of us understand what it does and does not cover. Lawsuits are a common part of getting into a car accident, with many drivers suing others for damages and injury. Yet, all too often, motorists are unsure of whether or not they can rely on their car insurance to help with legal fees. Does car insurance cover your costs?

Most drivers have liability insurance. This coverage consists of two basic components, including:

  • Bodily injury liability coverage – This covers medical expenses, lost wages, and other expenses of anybody injured as a result of an at-fault driver’s actions. It can also help to cover legal fees if the injured party files a lawsuit against the at-fault driver.
  • Property damage liability coverage – This covers damages resulting from a covered accident in which you were at fault, including the other party’s vehicle repair or replacement costs or any other damage to someone else’s property.

In short, car insurance can help to cover some legal fees. If you are being sued, then your car insurance company should cover legal fees and be able to hire an attorney on your behalf.

If you are suing someone, however, then you will need to find your own lawyer and pay your own associated legal expenses. However, if you win the lawsuit, then you may be able to collect these legal fees from the at-fault party.

Rest easy knowing that you have reliable protection in place. For the quality auto insurance you deserve, talk to the team at Chambers & Company Insurance Brokers today.

Three Common Myths Around Auto Insurance Coverage

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As with everything in life, there are a number of common myths about car insurance in Camarillo, CA that often end up steering motorists in the wrong direction. Even with the internet at our fingertips, it’s not always easy to decipher what is fact and what is fiction. To help you understand the truth behind common myths about car insurance coverage, read on.

 

Misconceptions About Car Insurance Coverage

 

Myth: If I don’t drive my car, I don’t need insurance.

Truth: Whether you drive your vehicle every day, every other month, or just store it away for safekeeping without ever driving it, every car needs insurance. Even if your vehicle is officially off the road, having insurance will help protect it from damage such as theft, vandalism, and natural disasters.

 

Myth: I don’t need to tell my car insurer when I move house.

Truth: Whenever you move house, you should let your insurer know as soon as possible. Different zip codes will have different risk associated with them. For example, if an area has more claims relating to theft and vandalism, your insurance premiums might increase. If you are moving to a safer area with fewer crime-related claims, you could enjoy lower rates.

 

Myth: If my friend borrows my car, he or she is responsible for any damage they cause.

Truth: Before you let your friend drive your vehicle, ensure they have a solid history of driving. If they cause an accident or damage your vehicle, you may be financially responsible for the claim.

 

Rest easy knowing that you have reliable protection in place. For the quality roadside assistance coverage you need to go along with your auto insurance, talk to the team at Chambers & Company Insurance Brokers today.

Managing the Emotional Impact of an Auto Accident

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Tips to Help You  Cope with Emotional Trauma After a Car Accident

After a car accident, you’re often in shock. Even if it’s just a minor fender-bender, being involved in a car incident can be shocking and traumatic. When the initial impact fades, you may be more concerned about managing the emotional effects of a car accident. Recovering from a car accident can be difficult, but it’s important to recognize that these emotional effects are normal and to speak up if you need help to manage it.

Emotional Trauma Symptoms to Watch For

If you’ve been involved in an auto accident, a doctor will assess your physical injuries, but you should keep an eye on emotional symptoms that may be caused by certain anxiety disorders that can develop after a car incident.

  • Distressing thoughts or recurring nightmares
  • Negative mood
  • Dissociative symptoms: Time slows down, you see yourself from someone else’s perspective, feel numb
  • Inability to think about anything associated with the trauma
  • Trouble falling asleep
  • Irritable behavior
  • Trembling
  • Increased heart rate
  • Feeling tense, restless, or nervous

If these symptoms begin to interfere with your normal, everyday life or last longer than a few days, then it’s time to seek help.

Take Care of Yourself

You’ve been through a very scarring experience. It’s okay to give yourself time to cope. Focus on feeling as good as you can, and remember to take one day at a time. Eat healthy foods, drink plenty of water, and do some light exercise if your injuries allow for it.

Talk to Someone

Suffering silently can only add to your mental anguish and distress. Talk to a trusted friend or family member about your experience and how you’re coping. It may also be helpful to find a therapist who can help you work through your issues. He or she is qualified to give you advice on managing your stress and coping with your trauma. Talk to your medical provider about how to find the right therapist.

Rest easy knowing that you have reliable protection in place. For the quality roadside assistance coverage you need to go along with your auto insurance, talk to the team at Chambers & Company Insurance Brokers today.

Do You Need Roadside Assistance Coverage?

Do You Need Roadside Assistance Coverage?

Roadside Assistance: Do I Need It?

Are you confident when it comes to your car? With comprehensive insurance, motorists can rest assured they have coverage if they’re ever involved in an accident or event, like a crash, vandalism, or violent weather. But what about those unforeseen incidents that your auto insurance doesn’t cover, like breaking down or getting a flat tire while driving? Do you know how to fix the problem on your own?

More and more, we’re seeing drivers benefit from roadside assistance coverage. This coverage can usually be purchased alongside your auto insurance and it covers a variety of situations if you are ever stranded on the road. Here are just a few events that roadside assistance covers:

  • Towing service – If your vehicle breaks down and cannot be driven, a tow truck will come out to take your vehicle to the nearest mechanic up to a limited number of miles. If you want or need your vehicle to be towed beyond that limit, they won’t leave your car stranded, but they will charge you extra.
  • Flat tires – It happens to the best of us. Whether we get a flat tire while driving or see one after a long day at work, it’s never a pleasant experience. Fortunately, roadside assistance coverage means that a service professional will get to your location and replace the flat tire with the spare, meaning you can get back on the road.
  • Battery jump-start service – Now that colder weather is here, there is a higher chance that batteries will fail. If this is the case, a professional will come out and attempt to start a vehicle by jump-starting the battery. This will then allow you to make it to the nearest mechanic to have a new battery fitted.
  • Lockout service – If you ever get locked out of your vehicle, a roadside service pro will help you open your vehicle without damaging your car.
  • Fuel delivery – Often drive with the gas indicator on red? If you run out of gas while driving, someone will come out and top up your tank to help you get to the nearest fuel station.

For the quality roadside assistance coverage you need to go along with your auto insurance, talk to the team at Chambers & Company Insurance Brokers today!

How to Protect Your Car From Theft

How to Protect Your Car From TheftProtecting Your Vehicle From Theft 

Your car is an object of desire. The problem is that it’s not just an object of desire for you. Whether it’s the car itself or the valuables within it, your car is as much a target for thieves as it ever was. Car theft is a problem all over the world, and if you’ve ever fallen victim to it, you will understand how much of an inconvenience it can cause. While auto insurance will help if your vehicle is ever stolen, check out these tips to prevent car theft.

Pick a car that’s less popular with thieves. You have to weigh up what’s important to you here. If you want to splash out on a fancy, new car, it’s going to be more targeted by car thieves. Although the latest vehicles may have high-quality security features, car thieves are using sophisticated electronic hacking equipment. Consider buying a middle-range vehicle to reduce your chance of car theft.

Lock the windows and doors. This may sound obvious, but you’d be surprised by how many car owners unknowingly walk away from their vehicle with their a window rolled down or the doors unlocked. Always lock up your vehicle – and double check the doors before you leave.

Park carefully. Choose your parking space carefully. Opt for a busy, well-lit area where the threat of observation will deter thieves. If you use a parking lot, try to find one with an attendant. If you have a garage at home, use it.

Hide your belongings. Don’t tempt fate. If you leave your laptop on the back seat or the latest headphones on the dashboard, they may just catch the wrong person’s eye. If you do leave valuables in the car, hide them in the trunk and ensure they cannot be seen from outside of the vehicle.

Keep your papers safe. If your car is stolen, the one thing that will make it easier for a thief to convert it into cash is a nice set of registration papers. Don’t leave yours in the car; keep them somewhere safer, like your wallet, instead.

Review your car insurance. Your insurance coverage is there to protect your vehicle. If your car does get stolen, you will want to ensure you have the right policy to fall back on. Talk to your trusted insurer to make sure you have optimum coverage.

When you’re looking for the right car insurance, contact Chambers & Company Insurance Brokers today.

What’s the Difference Between Car Insurance and a Car Warranty?

What’s the Difference Between Car Insurance and a Car Warranty?Understand the Difference Between Car Insurance and a Car Warranty

For every motorist, it’s important to understand the types of coverage for cars so that you’ll know what kind of protection you need. From your vehicle to your family to your finances, you want to make sure everything has adequate protection. In the case of car warranty vs. car insurance, it’s better to be aware of the difference between the two than be unpleasantly surprised later.

New Car Warranty

A new car warranty is the vehicle manufacturer’s promise to help pay for replacement parts or covered parts during your specified warranty period. The warranty will come with your new car, but the dealership may offer you an extended warranty so that your vehicle is covered for years and more miles. Each dealership and vehicle will have its own regulations, but generally, items that commonly wear out (wiper blades, tires, and brake pads) are not covered.

Car Insurance

Car insurance is designed to protect your finances if your vehicle is damaged in a collision or another covered peril, such as theft, fire, or a natural disaster. It also provides:

  • Liability coverage – May help to pay for someone else’s medical bills or damage to their property by an accident at which you were at fault.
  • Collision coverage – Repairs or replaces your car if it’s damaged in a crash with another vehicle or object, regardless of fault.
  • Comprehensive coverage – Repairs for damage to your vehicle caused by things other than a collision, such as fire, theft, vandalism, or falling objects.
  • Medical payments coverage – Covers medical expenses for you and your passengers in the event of an accident.
  • Uninsured motorist coverage – If a driver hits you with no or too little insurance, this coverage aids your car repair expenses.

Keep in mind that even the most protective policy isn’t a license to stop taking care on the roads. For quality auto insurance, contact the team at Chambers & Company Insurance Brokers who can tailor a policy for your needs.

When to File a Police Report (And How It Affects Your Claim)

When to File a Police Report (And How It Affects Your Claim)

Do I Need to File a Police Report After a Car Accident? 

Being involved in an auto insurance accident can be scary, especially if you sustained serious injuries. However, even with a minor auto collision, it’s important to get full documentation for your own protection. Even if you think you don’t have much to report, calling the police after a car accident ensures that you have proof that the accident occurred. You may need this if you file an auto insurance claim.

Specialists who handle auto accident cases say that not filing a police report can be a big mistake. It could even be potentially costly if you are the driver who was not at fault in the accident. Not obtaining a police report can significantly affect your ability to obtain reimbursement for the damage to your vehicle and monetary damages for your injury. Protecting this important record by speaking to the police at the scene and providing detailed information about the accident and your injuries will be critical to your claim.

When the police arrive at a car accident scene, they will gather information from both drivers and any witnesses and put that information into a written report. The insurance companies processing the accident claim can use this information as they begin the process of determining which insurer or insurers will pay out to cover repairs.

Not filing a police report could damage your claim. The at-fault party may decide to change his or her story about what happened to present the accident as not their fault. If this does happen, you might end up on the hook for some or all of the damages in a case. As a result, you are looking at higher auto insurance rates.

Work with an auto insurance company that keeps your best interest in mind. When you’re looking for the right car insurance, contact Chambers & Company Insurance Brokers today.

Get Organized Month: How to Tidy Up Your Car

Get Organized Month: How to Tidy Up Your Car

Organize Your Vehicle 

Do you ever think twice about giving someone a lift because your car is in a perpetual state of disorganization? Since January is Get Organized Month, now is a great opportunity to dedicate some time to your vehicle to get it clean and tidy. Luckily, this doesn’t have to be a long and expensive process. Check out these tips below!

Declutter

As with any cleaning project, you want to start by evaluating what you have in your vehicle. Do you have trash that has been sitting there for a while? Do you have out of date paper maps? Recycle or throw away what you don’t need to keep in your car, and re-evaluate what you do keep.

Sort Out the Paperwork

You’ll need to keep some forms of paperwork in your vehicle. Ensure you have the necessary documents, along with a print-out of your insurance coverage, vehicle details, and paid vehicle registration fees.

Clean Up

Once you’ve decluttered it, now is the time to give it a good clean! Wash the outside, vacuum the inside, and wipe down the interiors. Ensure you wipe down the mirrors and windows well, leaving no smears that could distort your vision.

Use a Shower Caddy Car Fluids Organizer

If you break down on the side of the road, that motor oil does you no good sitting at home. Be on the safe side and keep a few small bottles of the essentials tucked away in a shower caddy.

Make Better Use of the Space

Enjoy your car’s vertical space by using climbing carabiners as bag hooks. Simply clip them behind the headrest. They’re great for transporting your purse, gym bag, groceries, and more!

Stock Your Emergency Supply Kit

Ensure that you have the basic supplies in your vehicle for when you need them the most. Stock up on jumper cables, repair tools, a first kit, blankets, flashlight, batteries, and water.

Keeping your car safe on the roads helps to protect the vehicle as well as your wallet. If you’re looking for the right car insurance, contact Chambers & Company Insurance Brokers today.

Car Safety for New Year’s Eve

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Ring in the New Year safely by checking out with these driving tips.

New Year’s is a time for celebrating, reflection, and resolutions. As one of the most hyped party nights of the year, there will be lots of festivities occurring this December 31st. Whether you’re throwing a party, checking out a nightclub, or staying in, there are some important driving safety tips you should note. Drunk driving and New Year’s Eve unfortunately go hand-in-hand, according to the statistics. Take measures to protect your New Year’s Eve journey.

Avoid peak post-party times. Many New Year’s Eve parties run until at least midnight, so it’s better to drive between 7 p.m. and 10 p.m., and then wait again until 1 a.m. and 2 a.m. Driving between midnight and 1 a.m. is peak time when people are leaving the bar or party and heading home.

Check the weather report. You should be prepared for the weather conditions on the road so that you know what supplies to bring for your car.

Choose a designated driver. If you’re going to be traveling by car and don’t want to rely on taxis all night, choose a designated driver who will stay sober and drive everyone in your group. Not only will your journey be safer, a sober driver will be able to respond quickly to drunk drivers sharing the road.

Give up your keys when arriving at the party if you drove there and feel tempted to drink. Listen to your friends if they think you are too intoxicated to drive. There are always better options than getting behind the wheel tipsy.

Take public transportation. Public transportation is reliable, safe, and sure to be full of festive travelers! Plan your journey well in advance so that you know which bus to take.

Call a cab. This option is often easier said than done on New Year’s Eve, with many people having booked taxis well in advance. If you don’t want to use taxis, call a Lyft or an Uber. These apps make it extremely easy and hassle-free to get a pickup.

Book a room. Why not make a night of it? If you’re traveling to a party, book a room at a nearby hotel so that you can get there early, enjoy the day, and not have to worry about driving back home that night.

Be sure that you have the right auto insurance in place before heading out for your festivities. Contact Chambers & Company Insurance Brokers today.