Tag Archives: car insurance

Would You Be Covered For These 3 Auto Insurance Claims?

Auto insurance will cover a number of strange incidents while on the road.

Auto insurance is one of the most common insurance policies out there. From claims of fender benders to stolen vehicle claims, many people know the basics of what their policy will cover. However, your car insurance policy will also provide coverage for some strange issues. Keep these strange auto insurance claims in mind to see if you have the protection that you deserve.

  1. Three car pile up caused by a mattress – a couple forgot to tie down their mattress to the top of their vehicle before taking off. As they were driving down the freeway, the mattress came loose and landed in the middle of the road, causing a three car pile up. Unfortunately, the three affected drivers did not have uninsured motorist coverage, leaving them to cover the repairs on their own after the mattress owners left the scene.
  2. Hail insurance fail – after a heavy hail storm in the 1990s, one driver made a claim to their car insurance company for hail damage. After looking at the damage, and insurance adjuster found out that the damage was actually caused by a ball-peen hammer. After the claim for hail damage was denied, the owner of the vehicle then made a vandalism claim to their auto insurance policy for the ball-peen hammer damage.
  3. Shotgun rider – one man made a claim to his auto insurance company after his shotgun fell out of his hands and destroyed the entire cab of his truck. He didn’t know if the gun went off when it hit the ground or when his hand slipped while grabbing for the weapon. Luckily, his comprehensive coverage paid for the necessary repairs.

To ensure that you have the right Conejo Valley auto insurance policy to provide coverage for any incident that you may encounter, contact the independent insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

What You Need to Know About California Car Insurance

Before you go with the first quote online, be sure to know about California car insurance.

Most California motorists purchase their auto insurance directly from carriers or through agents. If you purchase liability insurance, your coverage must meet the following requirements:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

It is advised that you purchase additional coverage. For example, you can buy comprehensive coverage which protects you if your car is damaged from incidents such as storms, thefts, and falling objects.

Luckily, there are multiple ways to save money on car insurance!

Good Driver Discount
A good driver in California is eligible for a 20 percent discount of their insurance premium. The California DMV website notes what qualifies as a good driver.

Insurance Program for Low-Income Drivers
To qualify for a discount, you must be single with an income below $28,725, or a family of four living on less than $58,875. Which county you reside in will determine the discount of your premium.

Good Student Discount
If you, or your child, attend school or college and are averaging good grades, then you can be eligible for a discount on your premium!

Car Features
More often than not, if you park your car in a garage over night, drive less than the average amount of miles per year, or have updated safety features such as day-time running headlights and automatic seatbelts, you can receive a discount on your auto insurance policy!

Personalized Car Insurance in California
Specializing in auto insurance, Cappuccino Insurance Agency, finds our clients the best coverage policies at competitive rates. We are conveniently located in Westlake Village, California, so stop by our office or give us a call today for a personalized quote!

How Much Are You Spending on Auto Insurance?

Insurance Facts

According to the National Association of Insurance Commissioners, the average auto insurance expenditure increased from $798 in 2011 to $815 in 2012, and has continued to rise every year since. The average expenditure measures what drivers actually spend for their insurance coverage of each vehicle. It does not equal the sum of collision, liability, and comprehensive expenditures since not all policyholders have all three coverage options.

The amount that people spend on their auto insurance coverage is affected by how much coverage they invest in, as well as many other factors. States that have a healthy economy have more people who are likely to buy a new car. Since new car owners are much more likely to invest in physical damage coverage options with their auto insurance, these states tend to have a higher average expenditure.

The population will also have an effect on auto insurance expenditure. States that have an urban population and a higher traffic density and per capita income will have much higher car insurance premiums. Other factors that have an impact on auto insurance prices include liability coverage requirements, repair costs, and theft rates.

Although California ranks number 22 on the list of most expensive states for auto insurance, there was an increase of 1.3 percent in costs between 2011 and 2012. The average expenditure for auto insurance in 2012 was just under $750, while it was just a few cents over $740 the year before.

When looking for the right auto insurance policy that will best fit your specific needs, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance agency, we will work with you to make sure that you have the coverage that you deserve, all at the right price to fit your budget.

Car insurance

Understanding Your Auto Insurance Coverage

Auto Insurance Terms

When deciding how much auto insurance coverage you need, it can be a difficult and even confusing decision. With all the special terms in auto insurance policies, it can be hard to make sure that you are getting the coverage that you deserve. To ensure that you choose the right policy, make sure that you know what these confusing car insurance terms mean.

  • Bodily injury liability – as a required coverage in California, bodily injury liability will cover any medical bills if you injure another person during an accident that you are found to be at fault for. Keep in mind that this coverage will not provide any protection for injuries that you or your passengers sustain.
  • Comprehensive coverage – sometimes known as “other than collision coverage,” comprehensive coverage will pay for any damages to your vehicle that occur in an incident other than an accident, such as damage incurred during theft or fire. Keep in mind that any damage that is caused outside of an accident will be your responsibility to pay for if you skip out on comprehensive coverage.
  • Property damage liability – if you hit another person’s car or property, property damage liability will cover the cost of the repairs.
  • Personal injury protection – also known as PIP, this coverage will pay your own medical bills if you are injured during a car accident. PIP will also cover any lost wages and funeral expenses after a car accident. In most cases, it will also provide coverage for any passengers that are injured during the accident.

For all of your auto insurance needs and to ensure that you have the right amount of protection, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to make sure that you fully understand your auto insurance coverage.