Driving Safe During the Holidays

The holiday season is a merry time and there are a lot of festive gatherings to attend.  More often than not, these parties will include alcoholic beverages.  In a recent post by the Los Angeles Times blog, L.A. Now, DUI arrests are up from last year, with an increase of about 90%.  In the week leading up to Christmas, authorities made a total of 1,028 arrests of people suspected of “driving under the influence of drugs or alcohol”.  The anti-DUI campaign will last through New Year’s Day and will include DUI checkpoints, police patrols, and heavy enforcement by the California Highway Patrol.  So instead of taking the risk of getting a DUI, ask a friend or relative to be your designated driver and make sure you’re covered with our California Auto Insurance.

Here are the types of California Auto Insurance coverage we offer:

Bodily Injury: provides coverage when you are responsible for injuring others (e.g., pedestrians, your passengers, and/or other drivers) with your insured vehicle.  It also provides for your legal defense if injury claims or lawsuits are brought against you.

Car Rental: helps to reimburse you for the cost of renting a car if your car is disabled in an accident.

Collision: provides coverage to help cover the cost to fix or replace your car if it’s overturned or damaged in a collision with another car or object.  Collision coverage pays for damages (less your deductible) for the cost of your repairs or the actual cash value of your car, whichever is less, regardless of who’s at fault.

Comprehensive: this covers your car in the event it is damaged by fire, theft, vandalism, glass breakage, windstorm damage or even contact with an animal.  Comprehensive coverage will pay (less your deductible) for the cost of your repairs or the actual cash value of your car, whichever is less.  This does not include normal wear and tear, engine failure, or other mechanical difficulties.

Medical Payments: this covers medical expenses (no matter who’s at fault) if you and/or occupants in your car are injured. It also helps to protect you and relatives living in your household if injured in someone else’s car or by a car as pedestrians.

Property Damage: provides coverage for damage to property caused by you or your vehicle.  The California minimum for auto liability coverage limits are $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage (higher coverage available).

Underinsured Motorist: provides you with extra protection for bodily injury or death, which results from an accident where the party at fault is underinsured.

Uninsured Collision: your insurance company will pay for the damage to your car or the actual cash value of the car (whichever is less) up to $3,500, if your insured car is not covered for collision and you’re hit by an uninsured driver.

Uninsured Motorist: covers the bodily injury damages that you would normally recover from an insured driver if you are injured by an uninsured or hit-and-run driver.  This can also include damages for pain and suffering in addition to medical expenses and loss of earnings.  Also provides coverage for you and relatives who live with you if injured by an uninsured motorist as pedestrians or while riding in someone else’s car.

Not covered by our California Auto Insurance?  No problem!  Give us a call today and our dedicated staff will be happy to help you find the right coverage to fit your needs!