Best Auto Insurance Orange County

We are here not only to help but we are here to get you the lowest rate at the appropriate coverage.  We are direct agents for 25 companies.  Additionally, we will never charge you a broker fee. This has been our policy for almost 20 years.

Below is a brief explanation of some of the definitions and terms within an auto policy. Some coverage is mandatory, such as bodily injury liability and property damage liability, while other coverage may not be depending on your situation. We are more than happy to help you determine which is best for you and your family.

Plus, we work hard to make sure you get as many discounts as possible. We offer discounts for just about anyone; multi-car, multi-policy, good driver, good student, educational degrees, renewal discounts and many more. Give one of our experienced agents a call today and see how much you can save!

 

Description of Coverages

Bodily Injury Liability: Provides coverages up to the policy limits in thousands of dollars per person/per accident. Coverage pertains to bodily injury liability as a result of a negligent act of an insured.

Property Damage Liability: Provides coverage up to the policy limits for property damage to others as a result of a negligent act of an insured.

Medical Payments: Provides coverage up to policy limits per person for medical expenses. This coverage will relieve a moral obligation as opposed to a LEGAL obligation.

Uninsured Motorist Bodily Injury: Provides coverage up to policy limits in thousands of dollars per person/per accident. Covers you or any passenger in your vehicle for bodily injury caused by an uninsured motorist. Coverage would also be provided to an insured as a pedestrian or as a passenger in any other private passenger vehicle.

Uninsured Motorist Property Damage: This coverage is not necessary if you carry collision. Provides coverage for the value of your vehicle for damage as a result of being struck by an uninsured motorist. The maximum benefit is $3,750.00.

Comprehensive Coverage: Provides coverage to the insured vehicle for losses other than collision such as fire, theft or vandalism subject to the stated deductible.

Collision Coverage: Provides coverage to the insured vehicle for collision losses subject to the stated deductible.

Collision Deductible Waiver: If you do not carry collision you cannot buy this coverage; however, you would want to buy uninsured motorist property damage. If you carry collision this coverage would waive the deductible if your vehicle is struck by uninsured motor vehicle and it was the other drivers fault.

Towing: Provides coverage up to the limit stated in the policy in the event that your vehicle requires emergency service.

Rental Car: Will provide the limit indicated in the policy if your auto must be repaired as the result of a covered loss.

 

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