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Auto Insurance 
In Los Angeles County alone during the year 2000 there were an estimated 1,356,239 uninsured automobiles - or 23.5% of all autos - operating on county roads. It is now 5 years later, and Los Angeles is not a border town.! Learn how to protect yourself and your family from an uninsured driver by contacting us.
Car insurance is usualy the most expensive and most dreded of the insurances; accordingly, it may quite possibly be the most vital in protecting your dreams. To determine what type of coverage applies to you, consider your individual situation; however, don’t be left alone to try and figure it out on your own. We are here to help! Once you have gathered the necessary information, you are ready to get a quote. This will help us to determine your needs when we call you.
Uninsured Motorist/Underinsured Motorist
Uninsured Motorist coverage protects you, members of your household and your passengers in an accident with a motorist who has no insurance or is underinsured. Uninsured Motorist protection also covers you if you're injured by a hit-and-run driver. The coverage also applies to you and the members of your household as pedestrians. Coverage includes payment of medical costs, lost wages and pain and suffering. It is required in many states. In some states or insurance policies, Underinsured Motorist protection is separate from Uninsured Motorist coverage.
Collision
Collision coverage pays for damage to your vehicle that results from a collision with another vehicle or object. Generally, the coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.
Comprehensive
Comprehensive coverage protects your investment in your vehicle by paying for losses resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a bird or animal and other natural occurrences. Like Collision coverage, Comprehensive coverage generally includes a deductible. Comprehensive coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.
Deductible
The deductible is the amount of the loss you agree to pay or absorb in the event of a claim or accident. Let's say you have a $250 deductible. If you have a fender-bender, and the bodywork costs $1150, you will pay the deductible - $250, and your insurance company will pay the balance - $900. With auto insurance, deductible amounts typically range from $50 to $1,000 per claim. Choosing a higher deductible reduces the cost of your insurance.
Bodily Injury
Bodily Injury coverage pays for any person(s) injured or killed in an accident where you are at fault. Coverage includes medical expenses and lost wages. These coverage's are subject to the limits and conditions of your policy. Most states require drivers to carry Bodily Injury coverage.
Property Damage
In a collision where you are at fault, Property Damage covers your liability for damaging another person's personal property, such as an automobile, house or fence.
Medical Payments
This coverage pays medical bills and funeral expenses for you or a passenger injured while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy.
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