Cedar Ridge Insurance Quotes
If you cause an auto accident that injures someone or damages their property, Cedar Ridge car insurance can help pay for the other person's losses and/or damages. If you were found at fault, you can be held responsible for costs associated with the accident. These may include; legal fees, the hurt person's medical expenses or their lost income compensation. Car insurance premiums after a DUI/DWI will cost more and without liability coverage (or adequate liability limits), you would likely have to pay these costs out of your own pocket.
According to the California Department of Insurance: Driving without insurance is illegal. Also, you must have liability coverage to register your car. Your insurance company tells the California Department of Motor Vehicles (DMV) if you buy auto insurance or if you stop paying your premium.
You must show financial responsibility for any vehicle that you own, in case of injury to other people or damage to their property. Most people show financial responsibility by buying auto liability insurance. Auto, Home, Flood & Business Insurance Quotes In Cedar Ridge, CA. California law states, 'All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.'
Minimum Liability Coverage - By law, the limits below are the minimum insurance limits for a standard CA auto policy. You must have this much coverage:
Minimum Bodily Injury Liability Limits - $15,000 for the death or injury of any one person. If one person is injured in the accident, your coverage pays up to $15,000. A total of $30,000 for the death or injury of more than one person in any one accident. If 2 or more people are injured, the coverage pays up to $30,000. The coverage will not pay more. The injured people share the money. This coverage applies to injuries that you cause to someone else.
Minimum Property Damage Liability Limits - $5,000 for damage to the property of other people. This pays for damage you cause to someone else's car, or to objects and structures that your car hits.
Following are some of the most common car insurance coverages:
- Comprehensive - Covers expenses to your vehicle for non accident damage like vandalism, thefts or a tree falling on your car.
- Collision - Covers expenses for the damage or destruction of your vehicle in an auto accident.
- Liability - Covers expenses for injury or death to a third party when you're at fault.
- Property - Covers the cost of damages you cause, unintentionally, to someone else's property (car etc.).
- Medical Payments - Covers medical expenses if you or your passengers are hurt.
- Personal Injury Protection - Covers expenses related to injuries you sustained in a covered accident.
- Uninsured & Underinsured Motorist Coverage - Covers your expenses if you are hurt and the other driver is at fault and doesn't have enough or any liability insurance.
- Rental Reimbursement - Covers the cost of renting a car while your vehicle's in the shop.
- Towing & Labor - Covers the cost of roadside assistance like towing, tire changes and jump-starts.
Here are some of the largest car insurance companies in CA: AAA, Allstate, American Family, Amica Mutual, Bristol West, Erie, Esurance, Farmers Insurance, Foremost, Geico, Hanover, Hartford, Infinity, Liberty Mutual, MAPFRE, Mercury, MetLife, National General, Nationwide, Progressive, Safe Auto, Safeco, State Farm, The General, Travelers, USAA Insurance, Wawanesa & Westfield.
Homeowners insurance offers coverages that may help pay to repair or replace your home or belongings if they are damaged by certain perils, like fire, hail or theft. It can also help cover costs if someone who does not live with you is injured at your home.
Auto, Home, Flood & Business Insurance Quotes In Cedar Ridge, CA. The California Department of Insurance says that the homeowners policy contains two sections. Section I provides property coverages (A, B, C and D) while Section II provides liability coverages (E and F). A brief description of the individual coverages follows:
Coverage A - Dwelling: Provides major property coverage that protects your house and attached structures if it is damaged by a covered peril.
Coverage B - Other Structures: This section covers other structures on the residence premises that are not attached to the dwelling. Items covered include detached garages, tool sheds, etc. Coverage B is normally limited to 10% of the coverage A limit. You can purchase more coverage for an additional premium.
Coverage C - Personal Property: This coverage provides protection for the contents of your home and other personal belongings owned by you and other family members who live with you. Coverage C is normally 50% of coverage A or is subject to an established amount agreed upon by you and the insurance company. Coverage is limited on certain types of property that are especially susceptible to loss, such as:
- Fine Arts
Additional amounts of insurance may be purchased. You may want to consider scheduling these items separately on a California jewelry & valuables insurance policy (personal articles floater).
Coverage D - Loss of Use: This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A.
Coverage E - Personal Liability: This section of your Cedar Ridge homeowners policy will provide coverage in the event you or a resident of your household are legally responsible for injury to others. Coverage E normally provides a defense and will pay damages, as the insurance company deems appropriate. There are some exceptions. The liability coverage will not protect you in all situations, such as an intentional act. All of the exclusions and specific language can be found in your policy.
Coverage F - Medical Payments to Others: This coverage pays for reasonable medical expenses for persons accidentally injured on your property. For example, if your child's friend slips down he stairs and is injured while playing in your home, the medical payments portion of your homeowner's policy may pay for necessary medical expenses. Medical payments coverage does not apply to your injuries or injuries of those who reside in your household. It is not a substitute for health insurance. Business activities are also excluded. All of the exclusions and specific language can be found in your policy.
Flood insurance covers physical damage to your property and belongings from flood-related losses. Cedar Ridge, California homeowners insurance typically doesn't cover flooding - where groundwater rises up and floods your home. If you're in an area that has a high flood risk, you should have flood insurance. Your mortgage lender might require you to buy it if you're in a flood zone. Auto, Home, Flood & Business Insurance Quotes In Cedar Ridge, CA.
The National Flood Insurance Program (NFIP) recommends flood insurance because situations that cause flooding like; heavy rain, melting snow and severe coastal weather can happen all over. CA flood insurance covers your Cedar Ridge home and your possessions inside, subject to certain limits.
Business insurance can be expensive. Confusing. And very frustrating... If you don't have the proper advice. EK Insurance offers insurance guidance to help protect our Cedar Ridge, California client's incomes and assets from legal liabilities including: accidents, theft, losses or lawsuits.
Every day, our Cedar Ridge, California clients face risk. Good luck and positive thinking won't protect your home, autos or business from losses. Sadly, bad things happen to good people and responsible business owners. EK Insurance can assist you to evaluate the liability risks your business will likely encounter and help protect your business income and assets from legal liability and lawsuits.
Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury. Purchasing the appropriate business insurance coverage can make the difference between going out of business after a severe loss or recovering with minimal business interruption and financial impairment to your company's operations. The cost of a liability lawsuit can be devastating to most small businesses - even if they did nothing wrong.
No matter what the reason you are being sued for, a the costs of litigation can be very expensive. There are:
- Attorney's fees
- Filing fees
- Copying fees
- Expert witness fees
- Court reporter fees
And many other court costs along the way. These legal fees could add up to thousands of dollars fast - even if you successfully defend yourself, the case is dropped and you are not found liable.
That's why you need business insurance. Talk to an EK Insurance advisor today to help protect your business. Auto, Home, Flood & Business Insurance Quotes In Cedar Ridge, CA.
Cedar Ridge California Auto, Home, Flood & Business Insurance Quotes
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