Are you wondering about buying auto insurance in California? If you’re new to the world of California insurance or have questions that you need to be answered, contact our insurance experts at Allied Brokers Insurance Agency Inc. in Palo Alto, CA!
The Truth About Auto Insurance for California Drivers
Like most states in the US, California is one of the many that requires all drivers operating motor vehicles on public roads to have adequate auto insurance in the case of a motor vehicle accident that leads to financial damages or personal injury.
All Drivers Must Have Minimum Coverage
Since having auto insurance in California is mandatory, this means that all drivers operating vehicles on public roads must have insurance that meets the state minimum insurance coverage in the form of liability insurance.
California liability insurance covers state minimum coverage for bodily injury and property damage. A licensed insurance agent can discuss the best auto insurance coverage options for your family’s needs and budget.
Extended Insurance Coverage is Available for Most Drivers
California drivers can add comprehensive and collision coverage to their policy to increase the amount of covered damage and add protection for the vehicle and its contents to the policy.
Proactive drivers can take their coverage one step further and add specialty auto insurance coverages like emergency roadside assistance services, including lockout, towing services, and gas delivery.
Finding Affordable Auto Insurance
Getting caught driving without auto insurance in California can be costly. Avoid paying hefty fines, court costs, and damages with the right auto insurance policy. An insurance agent can educate you about your coverage.
Contact our knowledgeable agents at Allied Brokers Insurance Agency Inc serving the greater Palo Alto, CA area. Get a free California auto insurance quote to protect your vehicle and finances today!
If you’re a business owner in the Palo Alto, CA area and use your car for business purposes, you may wonder if commercial insurance covers your personal errands. The answer is that it depends on the type of policy you have. Allied Brokers Insurance Agency Inc. explains the different types of commercial car insurance policies available and how they can cover personal errands.
What Is Commercial Car Insurance?
Commercial car insurance is a type of policy designed to protect vehicles used for business purposes. This type of coverage typically includes liability, collision, comprehensive coverage, and other options like roadside assistance and rental car reimbursement. The cost of these policies varies depending on what kind of coverage is chosen and how many cars are being covered.
Does Commercial Insurance Cover Personal Errands?
The answer to this question depends on what type of commercial insurance policy you have. Commercial auto policies do not provide coverage for personal errands or pleasure trips, but some offer limited coverage for such activities. It’s important to speak with one of our experienced agents to ensure you get the right coverage for your needs.
If you need coverage for personal errands or pleasure trips, there are additional options available through some insurers. You can purchase an endorsement package to add additional protection, such as rental car reimbursement and roadside assistance, or choose a full-coverage policy that provides more extensive protection against accidents and other risks associated with driving a vehicle for business purposes.
Reach Out To Us
Contact an experienced agent at Allied Brokers Insurance Agency Inc. about purchasing additional endorsements or a full-coverage policy that provides more comprehensive protection against risks associated with using a vehicle for business purposes in Palo Alto, CA.
When the temperature drops, it can trouble homeowners in Palo Alto, CA. One of the most common winter problems is frozen pipes, which can cause costly damage to your home. So, if you’re a homeowner in Palo Alto, Allied Brokers Insurance Agency Inc wants you to understand what your home insurance coverage covers.
What Your Home Insurance Policy Covers
Your home insurance policy covers losses caused by frozen pipes as long as they are considered “sudden and accidental” by your insurer. This means that if a pipe freezes and bursts due to an unexpected event—such as an unusually cold weather front—your policy will cover the cost of any repairs resulting from the water damage. But if freezing temperatures were forecasted for days or weeks in advance and you failed to take proper precautions, you may not be covered.
It’s also important to regularly check these areas of your home throughout the wintertime for signs of frozen pipes—including reduced water pressure or discolored water coming out of faucets—and contact a plumber immediately if something doesn’t seem right. Taking these precautions now can prevent busted water pipes later on.
Protecting your home from potential damage caused by frozen pipes should be one of your primary concerns during cold weather months in Palo Alto, CA. Fortunately, Allied Brokers Insurance Agency Inc provides comprehensive coverage for any sudden and accidental damage resulting from this issue! Plus, taking simple measures such as keeping cabinets open and insulating exposed pipes is an easy way to further prevent unnecessary repair costs due to frozen piping. With these tips in mind, you can rest assured knowing that both you and your home are well-prepared for whatever winter may bring!