Auto Insurance
Auto insurance shouldn’t be confusing. You have better things to do than compare insurance policies. We are your neighbors, so let us do the comparing and quoting on your car insurance, while you enjoy wine country! You will love the savings on your auto insurance!
Call Sackrison Insurance at (707) 931-0186.
Auto insurance needs and rates can vary dramatically depending upon where you live. That’s why it’s important to use a local insurance agent instead of an impersonal “800” number to review your coverage.
Our job is to review your current coverage carefully and make recommendations that both save you money and adequately protect you and your assets.
Call Sackrison Insurance at (707) 931-0186.
Auto insurance needs and rates can vary dramatically depending upon where you live. That’s why it’s important to use a local insurance agent instead of an impersonal “800” number to review your coverage.
Our job is to review your current coverage carefully and make recommendations that both save you money and adequately protect you and your assets.
Auto Insurance Questions
I bought a new car. What should I do about my insurance?
If you have a policy with us already, your new vehicle (brand new, or ‘new-to-you’) is covered immediately after you purchase it, but only for the same coverage, and only for a few days. This means that if you currently have “liability only” coverage now, that is all that you will have on the new car until you notify us to add comprehensive and collision coverage. The bottom line is this: call us before you buy a new vehicle. We will make sure that you are ready to drive off the lot with peace of mind that you are covered properly.
Is California a “No Fault” state?
No. But you can carry “Medical Payments Coverage” if you wish. Ask us how to protect yourself in the event of a car accident involving an uninsured motorist.
What are the California minimum liability auto insurance requirements?
I don’t understand all those auto insurance terms. Can you explain them?
Medical Payments Coverage
This coverage pays regardless of fault. This covers certain medical costs, up to stated limits, resulting from an auto accident for you, your family, or others in your car. In other states, this is often referred to as “no fault” or “PIP” coverage (Personal Injury Policy).
Liability
This protects the other driver, if you are at fault in a motor vehicle accident. It covers, up to policy limits, your financial responsibility for personal injury to them, or loss to their vehicle.
Underinsured Motorist Endorsement
This protects you from someone who does not have enough coverage to pay for all of your loss when the accident is their fault.
Uninsured Motorist Coverage (UMC)
This protects you from the driver who has no auto insurance. When someone else is at fault in an accident, and they have no auto insurance, this provides you with additional coverage, as if they had liability coverage.
Collision
If you have a loan on your car, you must carry this coverage. It covers expenses to repair your vehicle due to a traffic accident.
Comprehensive
Just like Collision Coverage, if you have a loan on your car, your lender will require this coverage. Comprehensive coverage covers things that happen to your vehicle that are not traffic related. This could be for acts of vandalism to your vehicle, a damaged windshield, or a meteor from outer space smashing the hood of your car. Yes, we said a meteor from outer space. It could happen.
Rental Car
If your car is sitting in the shop because of an accident, this coverage will keep you from having to borrow a ride to get to the store. It makes your life easier, and is more dignified than hitchhiking to work.
Roadside Assistance
For a very, very low cost, we can make sure you have someone to call to change that tire or tow your car.
For more insurance definitions, visit this page at the California Department of Insurance.
If you have a policy with us already, your new vehicle (brand new, or ‘new-to-you’) is covered immediately after you purchase it, but only for the same coverage, and only for a few days. This means that if you currently have “liability only” coverage now, that is all that you will have on the new car until you notify us to add comprehensive and collision coverage. The bottom line is this: call us before you buy a new vehicle. We will make sure that you are ready to drive off the lot with peace of mind that you are covered properly.
Is California a “No Fault” state?
No. But you can carry “Medical Payments Coverage” if you wish. Ask us how to protect yourself in the event of a car accident involving an uninsured motorist.
What are the California minimum liability auto insurance requirements?
- $15,000 for bodily injury to one person in an accident
- $30,000 for bodily injury to more than one person in an accident
- $5,000 for property damage resulting from an accident
I don’t understand all those auto insurance terms. Can you explain them?
Medical Payments Coverage
This coverage pays regardless of fault. This covers certain medical costs, up to stated limits, resulting from an auto accident for you, your family, or others in your car. In other states, this is often referred to as “no fault” or “PIP” coverage (Personal Injury Policy).
Liability
This protects the other driver, if you are at fault in a motor vehicle accident. It covers, up to policy limits, your financial responsibility for personal injury to them, or loss to their vehicle.
Underinsured Motorist Endorsement
This protects you from someone who does not have enough coverage to pay for all of your loss when the accident is their fault.
Uninsured Motorist Coverage (UMC)
This protects you from the driver who has no auto insurance. When someone else is at fault in an accident, and they have no auto insurance, this provides you with additional coverage, as if they had liability coverage.
Collision
If you have a loan on your car, you must carry this coverage. It covers expenses to repair your vehicle due to a traffic accident.
Comprehensive
Just like Collision Coverage, if you have a loan on your car, your lender will require this coverage. Comprehensive coverage covers things that happen to your vehicle that are not traffic related. This could be for acts of vandalism to your vehicle, a damaged windshield, or a meteor from outer space smashing the hood of your car. Yes, we said a meteor from outer space. It could happen.
Rental Car
If your car is sitting in the shop because of an accident, this coverage will keep you from having to borrow a ride to get to the store. It makes your life easier, and is more dignified than hitchhiking to work.
Roadside Assistance
For a very, very low cost, we can make sure you have someone to call to change that tire or tow your car.
For more insurance definitions, visit this page at the California Department of Insurance.