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Frequently Asked Questions

  1. What should I do if I'm in a car accident?
  2. I need to file a claim. Who should I call?
  3. Should I buy additional insurance when renting a car?
  4. How do I make a payment?
  5. I'm selling my car. What do I need to do?
  6. I'm buying a car. What do I need to do?
  7. What kind of car should I buy for my teenager?
  8. Where can I find Blue book values for a used car?

  1. What should I do if I'm in a car accident?

    Call 911 if anyone is injured.

    Next, look at the accidents page for details on what to do.

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  2. I need to file a claim. Who should I call?

    If it is during our business hours, you may call our office. If it is before or after our hours, or if you'd just prefer, you can call the insurance company directly.

    You can find claim numbers on our claims page.

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  3. Should I buy additional insurance when renting a car?

    If you are the named insured, the coverage(s) listed on your current policy/vehicle will extend to the rental car, as long as it is rented in your name. For example, you will have the same limits, deductibles, etc.

    It’s always a good idea to use a credit card that offers this coverage to pay for the rental if you have one.

    Always discuss the particulars of your responsibility with the rental agent, and call us if you have questions.

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  4. How do I make a payment?

    You can mail a payment to your insurance company, or if the company supports it, you can pay online.

    You can find payment addresses and websites on our payments page.

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  5. I'm selling my car. What do I need to do?

    You'll still need insurance on the vehicle while it is for sale as potential buyers will be "test driving" your vehicle.

    When you've actually sold the car, notify us so we can take the car off your insurance.

    Make sure to do a bill of sale and keep a copy (to prove dates, etc.).

    Be sure to submit a Release of Liability form to your DMV. (People often delay re-registering a car until the registration "runs out," but in doing so you could be held liable for accidents, parking tickets, etc.)

    California online submittal: www.dmv.ca.gov/online/nrl/welcome.htm

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  6. I'm buying a car. What do I need to do?

    • Have the dealer fax a copy of the contract to us at 310-832-8024 (include lender info if possible).
    • Call us as soon as possible to add the vehicle to your policy and to discuss coverage options and removal of your old car.
    • Don't purchase an extended warranty from the dealer. We have the same coverage for up to 60% less. Call us for a quote.
    • Don't purchase loan/lease "GAP" insurance from the dealer on new cars. You can add this to your policy for only $12 to $25 per year.
    • If you're buying a used vehicle, ask for a CARFAX report to check for prior accidents, ownership changes, and service reports.


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  7. What kind of car should I buy for my teenager?

    Most teenagers want cool, new, and stylish. Parents want safety, with low maintenance and insurance costs. Here are some things to consider from an insurance standpoint.

    Safety ratings
    New vs. Used
    • New cars can be safer and have less maintenance issues but can cost more to insure based on the model.
    • Older cars are generally less expensive to insure as they cost less.
    • Part of the major cost for "newer" drivers is the comprehensive & collision coverages. Having a vehicle that you can cover for "liability only" will save significantly on cost.

    Models
    • Generally the more expensive the car, the more it will be to insure (due to replacement & repair costs).
    • 4-door models are cheaper to insure than 2-door models.
    • Power: the more sporty and powerful the car, the more expensive it is to insure.

    Sub models
    • Prices within a model can vary widely (S, SL, X, GT, etc.)
    • Get the VIN number and call us. We’ll be happy to let you know.

    Warranties
    • We sell the same new and used car extended warranties at up to 60% off the dealer price. Call us for a quote.

    CARFAX
    • Ask for a CARFAX report on used vehicles or go to www.carfax.com to order one yourself.

    If you are narrowing it down, call us. We are happy to give an estimate or let you know the differences in insurance prices between the models you're considering. (VIN numbers help us be more accurate!)

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  8. Where can I find Blue book values for a used car?

    At the Kelley Blue Book website: www.kbb.com

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