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Coverage Guide

California Insurance Coverage Information


Bodily Injury Liability coverage protects you when you are at fault in an accident against personal injuries to your passengers and other parties.

Collision Insurance insures your vehicle from damage arising from collision with other vehicles, immovable objects, and often road hazards such as potholes.

If you are found at fault in an accident, Property Damage Liability insurance will protect from damage costs to someone else’s property.

No-Fault Auto Insurance coverage allows you to recover any losses to you and/or your vehicle regardless of who is at fault.

Personal Injury Protection (PIP) provides additional insurance protection for any subsequent healthcare costs that are a direct result of an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist coverage protects you against damage and injuries caused by somebody who is not covered or inadequately covered by liability insurance.

Comprehensive Insurance protects you from damage and losses stemming from pretty much everything and anything.

Fire/Theft Insurance protection, as part of a comprehensive policy, is the most expensive auto insurance you can buy but it affords you the most protection for your vehicle.

Physical Damage coverage insures your vehicle against any conceivable type of damage that can happen to it; it does not cover everyday wear-and-tear or regular maintenance like oil and tire changes.

Guaranteed Auto Protection or GAP Insurance or loan/lease payoff coverage is essentially insurance that protects you from depreciation if your car is wrecked or totaled before you can pay off the loan.

Rental Car Insurance will protect from financial liability if you are involved in an accident while driving a rental car.

Pay-Per-Mile or pay-as-you-drive (PAYD) is based on usage, that is to say, it only accounts for the miles you drive.

Any Auto Liability Insurance covers all vehicles listed on a business owner’s commercial vehicle policy whether they are owned, non-owned, or hired.

Kellie always works very hard to find us the best rates she can. She is very professional and always explains all options. I feel confident when Kellie gives me a quote that she has done the research.

- Linda
Get A C.L.U.E. – What Is C.L.U.E. And What Can It Do for You?

Have you ever wondered what information insurance companies take into consideration when they underwrite your policy to determine your eligibility and premiums? Get clued into C.L.U.E., the Comprehensive Loss Underwriting Exchange.