When you hear Personal Insurance, what we are saying is Insurance Coverage that is used on a per person or Personal basis. Such as Auto, Home, Health and Life Insurance that you would use for your personal benifit. This is different from Commercial or Business insurance which covers an entity from Sole-Proprietor to Corporation.

Personal Insurance is generally less expensive and is based on you as an individual peron or persons if more than one person on the policy. The most desirable person on an insurance policy is the person with less of an exposure or the person who has a less likely chance of causing a claim. ie: a person who has a clean driving record is a better Insurable Risk compared to a person who has 6 six speeding tickets. We offer Mulitple Choices for Personal Insurance as we are an Agent for many Companys.

       

                                    

           "All of Our Policies come with an Agent"

 

Personal Automobile Insurance

We provide broad coverage—including liability and physical damage—for standard, high-value and specialty automobiles, as well as classic cars.

Coverage's are various financial protections for you, your car, and others in the event of an accident or loss where you could be considered responsible. Even though it may not be your fault, the fact that you own the car may make you responsible.

Of course, the more protection you buy means that the price will be higher. Conversely, the less protection you buy means that the price will be lower. The amount of insurance protection you buy is up to you. You should consider what you have to lose if you don't have enough insurance protection when someone points the finger of responsibility at you. The following are brief explanations of the most common auto insurance coverages:

BODILY INJURY LIABILITY (BI)

This coverage protects you if you are involved in an accident and you caused bodily injury to others. It also provides you with a legal defense in case someone sues you because of the accident. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY IN CALIFORNIA.

PROPERTY DAMAGE LIABILITY (PD)

This coverage protects you if you are involved in an accident and you cause damage to someone else's property. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY IN CALIFORNIA.

UNINSURED MOTORISTS BODILY INJURY (UM or UMBI)

This coverage pays you and other passengers in your car for injuries you may receive or damage to your vehicle caused by an uninsured driver. THIS COVERAGE IS NOT REQUIRED TO DRIVE LEGALLY IN CALIFORNIA BUT IS STRONGLY RECOMMENDED.

MEDICAL PAYMENTS (MED or MED PAY)

This coverage pays medical expenses from an accident for you and your passengers, regardless of fault. This coverage can be in excess of any other health insurance coverage you may have. However, it will pay your health coverage deductible and other non-covered expenses from an accident.

COMPREHENSIVE (COMP)

This coverage pays for damages to your vehicle caused by something other than a collision, such as fire, theft, vandalism, or windstorm. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.

COLLISION

This coverage pays for damages to your vehicle, regardless of fault, when you hit another car or object. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.

TOWING

This coverage helps offset the cost of towing your vehicle. It usually allows coverage up to a predetermined amount for each towing incident.