Tag Archives: vehicle

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.

Questions for Your Annual Insurance Review

Determine if your current Westlake Village, CA insurance policies match your life needs.

During day to day life you may forget to update your insurance policies to match your updated lifestyle. Many think that paying your premiums and phoning your carrier when an accident happens keeps you protected, but if you change your lifestyle or value of your item, you will need to alter your insurance. A number of life changes and events should prompt you to call your insurance carrier and adjust your policy to maintain adequate coverage.

Here are five questions to ask yourself at least once a year:

1)    Have I updated my home?
If you added a room for your elderly parent, remodeled after the youngest child moved out, or added a pool in the back garden, your home value will increase. A higher home value will increase the cost of rebuilding the home, therefore your insurance should reflect the new home value and new risks.

2)    Have I bought significant purchases?
Expensive pieces such as a leather-couch, jewelry, and fine art should be covered by a homeowners policy or additional coverage. If the item is lost, damaged, or stolen, you may regret not opting for quality protection of it.

3)    What has changed with my vehicle?
Maybe you are driving a longer distance to work, or the garage finally has room to store the car overnight. Reviewing your auto insurance will ensure that you are not paying for what you are not using.

4)    What about my family?
When someone moves out or wants to be added to your auto policy, discuss it with your insurance agent for suitable coverage.

5)    Am I eligible for any discounts?
Simple steps can qualify you for discounts. This can include installing a burglar alarm for your home insurance, and parking your car in the garage for your auto insurance.

Remember that insurance policies should reflect the life you have now, not when you first signed up with your carrier. When looking for insurance policies in the Conejo Valley, California, visit Cappuccino Insurance Agency. We are located in Westlake Village and ensure that you receive complete coverage.