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Optional Insurance Coverage

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Optional Insurance Coverage

Optional Insurance CoverageInsurers today offer a plethora of add-on options to your auto insurance to provide optional insurance coverage for unexpected events like mechanical breakdowns and roadside assistance. Often, these coverage’s are available for a small-add on cost while providing. But abundance of these options can confuse you and could have significant overlap, thereby reducing overall value for you. At All Solutions Insurance, we are committed to educating you about the pros and cons of these options. Below, we will discuss some of the options available and their advantages. Please talk to an ASI expert today to find out if you are adequately covered and to add-on any coverage’s to your policy.

Mechanical Breakdown Coverage

Having a new car is great, especially because if something goes wrong with it, you are covered by the warranty for a certain number of years. But what if you own a used car, or if the warranty on your car is close to expiring? Now there is a way to protect your vehicle in the event something goes wrong after the warranty expires.

Mechanical breakdown coverage will protect your pockets in the event something happens. The real saving is if you have something major happen to your car. If the A/C goes out, the transmission breaks, or you have a head gasket leak, mechanical breakdown coverage can save you hundreds of dollars.

Unlike an extended warranty for your car, mechanical breakdown coverage can be applied to all aspects of the car, not just certain parts, such as the drive train. It also allows you to get your car repaired wherever you like instead of a required dealership.

Did you know that on average you are ten times more likely to have a major mechanical break-down than you are to get into a car accident? To prepare for just such an event, you’d be smart to look into getting what is known as Mechanical Breakdown Protection (MBP), especially if the warranty on your car is about to or has expired. Statistics show most mechanical failures occur after the expiration of the factory warranty.

Breakdowns rarely come with a warning and car repairs usually can’t wait. So having Mechanical Breakdown Protection will save you from the scramble and pressure of coming up with cash for any costly repairs. And this “peace of mind” costs less than your daily cup of coffee over the life of the plan.

There is a simple formula you can use to determine whether MBP is a good fit. First, take into account the age and miles on your vehicle. Then, consider the cost of replacing some of the bigger systems or parts on your car: the engine, the transmission, the air conditioner or a combination of repairs. Finally, ask yourself if you have the money to pay for these expenses if they were to occur.

Keep in mind, going with a MBP typically saves you more money than purchasing an extended warranty and provides you with more coverage and benefits. Visit our site to find a Mechanical Breakdown Protection policy that fits your needs.

If you are interested in mechanical breakdown insurance, please contact us at www.allsolutionsinsurance.com for more information and a free quote. ASI shops from over 30 reputable insurance companies to get you the best possible rate.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Roadside Assistance Coverage

One of the perks of owing a new vehicle is the warranty services that come along with it. Most warranty services will include roadside assistance. Roadside assistance can be beneficial if you need basic services while on the road. If you get a flat tire and need help changing it, this is where your roadside assistance policy can help. Also, typically included is limited towing service. If your vehicle needs to be towed to a dealer, roadside assistance can make the arrangements for you.

More than likely you have experienced some sort of car trouble. Maybe it was a dead battery, a flat tire or maybe you locked your keys in the car. We’ve all been there and know that sometimes a little help is all you need. That help comes in the form of Roadside Assistance. Roadside assistance is an optional coverage that is available through your insurance company. If you don’t have a new car, but still would like the peace of mind that comes with having roadside assistance, you certainly add this service to your existing auto insurance coverage. In most cases it will only cost you a few dollars extra per month, but it can be well worth it should you be in a situation where it is needed. One tow could easily be more expensive than the yearly cost of adding roadside assistance coverage to your policy.

In some cases the roadside assistance plan that you add will be provided by a club such as the National Automobile Club. Other perks of adding this coverage can include free maps, discounts on rental cars, travel links and more.

What does Roadside Assistance cover?

Towing: If your vehicle needs to be towed in order to be repaired, roadside assistance will take care of that. The distance to be towed may vary for each insurance company, but most will usually tow your vehicle to a repair facility within 15 miles of your location. If you are in a remote area, they will usually tow you to the nearest repair center, no matter how far it is.

Flat-tire: If you are stuck on the side of the road with a flat; don’t worry. Roadside assistance will come and help you change your flat tire at any time of the day.

Dead Battery: If your battery dies, roadside assistance can help. They will either jump start your battery or tow you to the nearest facility where you can purchase a new one. In some cases, the roadside assistance vehicle may have additional batteries for purchase in their vehicle.

Emergency Fuel & Fluids: If your vehicle runs out of gas or overheats, roadside assistance can deliver what you need to get your vehicle

moving again. Most roadside assistance services will deliver whatever you need; but you will be required to pay for the fuel or fluids that you require.

Locksmith Service: If you lock your keys inside your car or misplace them, roadside assistance will send out a professional who can make you a new key, or get inside your vehicle to recover your key. In most cases you will only have to pay for the cost of a new key.

Adding roadside assistance coverage to your current policy can be an affordable way to make sure that help is only a phone call way. Call your ASI expert to find out more about Roadside Assistance and for a free rate quote.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Special Equipment Coverage

In many cases, when someone buys a vehicle, they will leave it as is. But, for those who do customize their car, or buy one that has already been modified, they need added protection for their investments into the vehicle. Aftermarket parts for cars are becoming more popular, especially in the electronics department. When people travel long distances, they like to have entertainment along the way. For example, a custom stereo system with built in TV’s in the headrests so that everyone has some additional entertainment during their ride. Systems such as these typically cost at minimum $1000 up to several thousand of dollars.

When you purchase comprehension or collision coverage, up to $1000 of added parts to your vehicle is sometimes covered by the standard policy. Anything above $1000 is generally not covered, and coverage for some items is specifically excluded. So if you plan to add parts or features to your car, you should consider adding special equipment coverage if you want to recover the cost should you be involved in an accident or there is a theft. If you don’t add this special coverage and your car is totaled, you will not be reimbursed for the added equipment.

Below is list of items that can often be covered under special equipment coverage:

  • Custom paint work.
  • Anti-theft systems not installed by the vehicle manufacturer.
  • Special tires and wheels.
  • Custom interior modifications (leather seats or racing seats, not installed by the auto manufacturer.
  • TVs, radios and other electronic devices that are permanently installed in the vehicle.

Here is a list of items that typically will not be covered under special equipment coverage:

  • Radar detectors.
  • TVs, radios and other electronics that are not permanently installed in the vehicle.
  • CDs, tapes and the cases that are used as storage.

For more information about special equipment coverage please contact and All Solutions representative today.

Temporary Auto Insurance

Even if you already have an auto insurance policy for you and your immediate family, there still might come a time when you will want to temporarily add additional coverage to your policy. Most policies contain permissive use coverage which will cover a driver of a borrowed car, as long as they had expressed or implied permission to drive the vehicle at the time of an accident.

If you have excluded anyone from a policy because they no longer live in your home or drive the car regularly, this would be a reason for additional coverage. Holiday season and summer time are especially popular times for your kids to visit you. If anyone has been excluded from your policy, you should consider temporary coverage to ensure they are protected while driving your vehicle(s).

Another reason you might want to purchase temporary coverage would be in the case of renting a motor home or recreational vehicle. Buying a temporary policy can help to protect you in the event that the coverage provided by the rental company is not enough to pay for damage or medical bills.

For more information about temporary auto insurance, please contact an ASI expert today at www.allsolutionsinsurance.com or call 951-247-2003.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Insurance for Leased or Financed Vehicles

When it comes to owning a new vehicle, there are two ways in which you can go about obtaining one. You can buy it, or you can lease it. Buying the vehicle means that you are purchasing it and once it is paid in full, you own it outright. Leasing a vehicle essentially means that you are paying for the vehicle that you use. So with a lease, you are not paying the full price just what you use during a set time period.

When you buy a vehicle and don’t finance it, you must insure it, but only for state-mandated liability coverage. Insuring the vehicle itself against collision or theft is up to you. When you finance or lease a vehicle, since technically you don’t own it, you may be required to carry full or additional insurance to protect the dealer and the bank. Dealers and banks can require that you carry more insurance to protect their property through the course of the lease or until the vehicle is paid off, in the event of damage or it being stolen.

If you are in the market for a new vehicle, you will want to consider all of your options before buying or leasing. It is important to check the dealer requirements and the cost of a policy if you decide to lease or finance a vehicle.

For a free quote on protecting your financed or leased vehicle with auto insurance, please contact an ASI representative today.

Auto Insurance and Rental Cars

How many of us have stopped to think if we should take on the extra rental car insurance at the time of rental? Many people don’t want to spend the extra money, but also want to be covered in the event of an accident with the rental car. This leads to the question: “Does my current policy give me complete coverage in the event of an accident in a rental car?” While the answer can be different for owners of different auto insurance policies, there are some general items you should take into account when whether deciding to purchase the extra rental car insurance.

If you have full coverage on your car, there is a good chance that your current policy can cover you in a rental car. Before you decide not to take the extra coverage from the rental car agency, read the fine print in your rental contract. Some companies have very strict rules about how they operate and deal with your insurance company in the event of an accident. In the long run, it still may be cheaper to purchase the extra insurance from the car agency. Most rental companies have information online about how their insurance policies work and the services that they offer.

For those who may carry coverage such as personal injury and liability coverage, these do not cover damage, so when renting a car, the damage to the rental in an accident would not be covered. If this is your situation, you will want to purchase the extra insurance provided by the car rental agency to ensure that you don’t have to pay for the full damage and labor of fixing the car.

Even if you do have collision coverage, you should know that it excludes things like diminution of value (the reduced value of a vehicle after repair) and loss of use (the lost rental value of the vehicle while being repaired), while the coverage you can purchase from the rental agency does include these items.

So, should you accept or decline coverage the rental agency usually offers to sell you? Such insurance is offered in order to help to cover accidents while you are on your trip. In most cases, you’re safe to decline, it providing you have the same or better protection from your personal automobile insurance company. Also, you may already have rental-car insurance provided by the credit card that you use. Both options can give you substantial savings over the rental agency’s coverage. Before declining the coverage, however, you should be certain that your personal auto insurance or credit-card coverage covers you – otherwise you could be driving your rental uninsured.

Since insurance is state regulated, the cost and coverage will vary from state to state. The following types of coverage are those that are generally available – you should check with your auto insurance company to be sure which coverage you either have or need:

Loss Damage Waiver (LDW)

While an LDW is not technically an insurance product, it does, however, “waive” renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges the renter for the time a damaged car can not be used because it is being fixed. It may also cover “diminution of value”: the decline in value a repaired vehicle incurs. Additionally, it may also cover towing and administrative fees, so check with your auto insurance company as these are all things your personal auto insurance policy typically will NOT cover when renting a car.

Liability Insurance

By law, rental companies must provide the state required amount of liability insurance. This is an instance where, if you have sufficient amounts of liability protection on your own car, you might decline the additional liability protection. Again, this is something that you should check with your auto insurance company on, in order to know if the amount of liability protection on your car is enough to cover a rental.

Personal Accident Insurance

Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. Your health insurance or your personal injury protection insurance under your auto insurance policy may cover the costs of this. You should check with your health care insurance provider as well as your auto insurance company to make certain.

Personal Effects Coverage

Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, up to a certain limit and minus the deductible. This is another area where, depending on your auto insurance or homeowners or renters’ insurance, you may be able to save money at the car rental counter.

When all is said and done, the options for properly insuring a rental car can be a confusing process. This is why it’s a good idea to make two calls before you rent a car. One call should be to your auto insurance agency or auto insurance provider, and the other should be to the credit card company you will be using to pay for the rental car. By finding out beforehand how much coverage you currently have on your own car, as well as finding out the insurance benefits offered by your credit card company, you can save yourself both time and money.

Before renting a car, it is best to check the details of your policy and the policies of the rental company you choose. For more information about auto insurance products, please contact an ASI expert today.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Gap Insurance and Why You Need It

Many people assume that the reason it is called gap insurance is because it covers the difference between what you owe on your car and what the insurance will pay for in the event that you get into an accident and the car is totaled. The word “gap” actually stands for “guaranteed auto protection”. If you don’t already have gap insurance with your current policy, it might be something to think about adding, especially if you have recently purchased a new vehicle or are currently leasing a vehicle.

When you drive a car off the lot it automatically depreciates. If you pay $25,000 for the vehicle and you have an accident one month later, you probably have only made one payment. If the car is determined to be totaled, you are at a loss because the insurance company will only pay you the market value of your vehicle. So if your $25,000 vehicle depreciated by 20%, you would only receive $20,000 from the insurance company. That leaves $5000 left that is uncovered. If you took out a loan to pay for the vehicle, you are still responsible to pay off the loan, which means you will be paying for a car that you can’t drive. Gap coverage can help cover the difference, but it frequently excludes things like “rollover” balances from trade-ins and is often capped at a percentage of the vehicle value, so make sure you understand all of the terms and conditions.

As you can see, gap insurance is essential when purchasing or leasing a new vehicle. For more information about gap insurance and free quotes, please contact an ASI expert today.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Uninsured Motorist (UM/UIM) Coverage

A recent study has shown that because of the down economy, many people are letting their auto insurance lapse because they can’t afford the premiums. This means that you are more likely to get into an accident with someone who cannot cover the damage of your vehicle, or worse yet, your medical expenses.

According to the Insurance Research Council, California ranks 7th on the list of most uninsured drivers. As much as 18% of people are not paying, and that percentage goes up in large urban areas. That means that 1 in 5 drivers are on the road, uninsured, and that number is expected to rise.

What does that mean for you, the consumer? It means that if you get into an accident, then there is a 1 in 5 chance that the other person involved will not have coverage to pay for the damage to your car or your medical bills.

Now more than ever, you need to make sure that you are protected in the event that you are in an accident with an uninsured motorist. Review your policy to see what your coverage is. If you don’t already have uninsured motorist or under-insured motorist UM/UIM coverage, now is a good time to look into it.

One component of insurance policies should be Uninsured or Under-insured motorist coverage (UM/UIM). When purchasing or upgrading a policy, you will want to make sure that you have these as a part of a policy. These coverage’s will protect you and your passengers in the car, in the event that you are in an accident and the other party involved has no or too little insurance to cover the damage to your car, medical bills and expenses.

A handful of states require drivers to have this coverage as a part of their policy and California is among them. However, you are allowed to waive this coverage with your signature. UM/UIM insurance typically does not cover most property damage. You should check the specifics of your policy to see what is covered.

For careful drivers’ who don’t carry collision coverage, you may want to add Uninsured Motorist Property Damage coverage (UMPD). In most cases this is less expensive than carrying full collision coverage. Carrying this type of coverage can help to repair damage to your vehicle in the event that the other driver does not have or carry enough insurance.

If you have any questions about insurance you can always contact us at www.allsolutionsinsurance.com or call 951-247-2003

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Do You Need a Commercial Auto Insurance Policy

You know that you need to have insurance coverage for your personal vehicle – liability, collision and comprehensive, personal injury protection, and uninsured motorists’ coverage. Did you know that you may need the same kind of insurance coverage for the vehicle you use in your business?

While there are similarities between the two, a commercial auto insurance policy differs from a personal auto insurance policy in many important ways. Be sure to ask your auto insurance agency to explain all the technical details and your coverage options.

Additionally, check with your auto insurance agency to ensure you have sufficient auto liability coverage. In the state of California, for example, commercial auto insurance is important for businesses to have on any vehicle used to transport employees. Without such coverage, should an accident should occur, you could find that not only your business assets but also your personal assets are at serious risk.

Commercial auto insurance in California can cover the following types of vehicles:

  • Trucks
  • Vans
  • Cars
  • SUVs
  • Heavy trucks and trailers
  • Dump trucks
  • Box trucks

To learn more, contact an ASI expert today to find out if you need a commercial auto insurance policy for your vehicle.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

For more general information regarding insurance, call:

Moreno Valley Office at (951) 247-2003 or  San Jose Office at (408) 225-4300

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