AUTO INSURANCE

Car Insurance is a necessity in today’s world. Not only is it required in most states to have but if you carry a loan on your car your lender will require you to carry the necessary auto insurance to get the car repaired.Aside fro that is also important to carry the right coverage to make sure that if you are in at fault accident you reduce the risk of having to pay the claims out of pocket. In many cases it can be quite costly.

CAR INSURANCE

Auto insurance is important part of your insurance portfolio. Not only do you need to get your car on the road, but you also want to look to make sure that you are adequately covered in the event of an accident.  

Many people when asked what insurance they have for their auto and they will state “Full Coverage”. This is a common sense of false security that many people have as they are under the assumption that they are covered in the event of an accident. This may or may not be true as the truth of the matter is you are covered to your policy limits. It is important to understand these limits and the coverage that they provide to make sure that you covered adequately to help insulate you from the repercussions of an accident.

Auto insurance coverage that you will want to understand and determine that you will need or not:

Bodily Injury Liability

This covers costs associated with injuries and death that you or another driver causes while driving your car

Property Damage Liability

This coverage will reimburse others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole.

Medical Payments or Personal Injury Protection (PIP)

Provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.

Uninsured Motorist Coverage

Reimburses you when an accident is caused by an uninsured motorist—or in the case of a hit-and-run.

Under Insured Motorist Coverage

Which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.

Collision Coverage 

This optional coverage reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault. While collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your car, it will cover damage from potholes or from rolling your car.

Comprehensive

This provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards—even getting hit by an asteroid!

Glass Coverage 

Windshield damage is common, and some auto policies include no-deductible glass coverage, which also includes side windows, rear windows and glass sunroofs. Or you can buy supplemental glass coverage.
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PERSONAL INSURANCE

Insuring your home and auto can be one of the most important decisions that you make. Learn about umbrella coverage leverage your protection and spend. Let us help you find the right insurance for you without breaking the bank.

BUSINESS INSURANCE

You work hard everyday to grow and build your business. Work just as hard to protect it! Learn about Liability, Professional, and Property coverages to understand the best coverage combination for you and your business.

LIFE INSURANCE

Life insurance can be one of the most important and thoughtful gifts that you give your family. It can help to provide for them long after your are gone. Understand the differences between Term, Universal and Whole life insurance today.

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Take the opportunity to get a FREE second opinion on your coverage. We are happy to review you personal, business and life insurance coverage to help you understand your existing policies as well as offer advice on how to optimize your coverage.

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SERVPRO, Yorba Linda Brea
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Steve Jones , SRJ Financial
“Great all around Insurance agent!!! Very efficient and good with communication. Takes time to listen to the client and make sure they not only have the best price, but that they have the proper coverage for when you need the insurance. My family and I know we are safe and protected with Chris”
Steve Williamson

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