Auto Insurance

Auto Insurance California – Coverage That Fits You

Liability Coverage

How are you covered in case of an accident? You were distracted while backing out of a parking space and didn’t see the car behind you until it was too late. You hit the car and you crashed through a fence, too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure. Liability Coverage pays damages due to bodily injury and damage to another’s property for which you are legally responsible. If you’re sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Bodily Injury Liability may cover. Property Damage Liability covers damage to property and loss of its use. How much coverage do you need? Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it’s impossible to know the most you’d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you’d be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more protection we will be able to provide to you. Limits higher than the state minimum might be the best choice for you.

Medical Payments Coverage

How are you covered in case of an accident? You were stopped at a red light when another car hit yours. You were injured. Medical Payments Coverage will pay reasonable medical and funeral expenses up to specified limits for covered persons. How much coverage do you need? The coverage is not required by most states, but it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays, so this coverage can pay from the first dollar of incurred, covered expenses.

Collision Coverage

How are you covered in case of an accident? It’s only a fender-bender, but the cost of the headlight, a new bumper, and a paint job can add up quickly. Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible: Collision with another vehicle Collision with an object A vehicle rollover How high should your deductible be? Higher deductibles lower your premium but increase the amount you’ll have to pay out of your own pocket at the time of a loss. Ask yourself how much you’re willing to pay when a loss occurs to save money on premiums.

Comprehensive Coverage

How are you covered in case of an accident? Who’d have thought that little hailstones could do so much damage? Your car is covered with dozens of dents. This comprehensive coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that’s coverage for the following, and it may be subject to a deductible. Fire Wind Hail Flood Vandalism Theft Hitting an animal How high should your deductible be? Higher deductibles lower your premium but increase the amount you’ll have to pay out of your own pocket in case of a loss. Ask yourself how much you’re willing to pay when a loss occurs to save money on premiums.

Uninsured Motor Vehicle Coverage

How are you covered in case of an accident? It’s a sad fact: There are people who drive without any liability insurance. What if you’re injured in an accident caused by one of these drivers? Uninsured Motorist Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages. Should you get this coverage? Doing so lets you decide how much auto insurance coverage is potentially available to pay for your covered damages when you are in an accident caused by an uninsured motor vehicle.

Underinsured Motor Vehicle Coverage

How are you covered in case of an accident? Many drivers carry low limits of liability coverage. What if you’re injured in an accident caused by an underinsured driver? Underinsured Vehicle Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages. Should you get this coverage? Doing so lets you decide how much auto insurance coverage is potentially available to pay for your covered damages when you are in an accident caused by an underinsured motor vehicle.

Car Rental And Travel Expenses Coverage

How are you covered in case of an accident? Your car is in the shop after a collision. Rental Reimbursement pays the cost of renting a replacement vehicle so you don’t have to interrupt your daily routine. Daily allowances or limits vary by state. Travel Expense Coverage pays for meals, lodging and transportation up to the available limits if your car is disabled as a result of a covered comprehensive or collision loss occurring more than 50 miles from home. Should you get this coverage? Consider how you’d get to work, school, or the store if your car were out of commission. If you depend on having a car available, could you afford to pay for a rental car yourself without this auto insurance coverage? If you’re traveling when you experience a covered comprehensive or collision loss, can you afford the added expense of the delay?

Emergency Road Service

How are you covered? Emergency Road Service provides costs incurred for towing your vehicle to a repair facility, mechanical labor at the place of breakdown when your vehicle becomes disabled, pulling your vehicle out of a location where it is stuck, delivery of gas or oil, assistance with changing a tire, a jumpstart and locksmith services. You can call 877-627-5757 for roadside assistance. If you have Emergency Road Service, you will not bear the up-front financial burden as State Farm will be billed directly for basic service. If you do not have this coverage, you will need to pay for the services but will do so at a competitive rate negotiated by State Farm. This rate will usually be less than what is available in the market. If you pay for the services, you can submit the receipt to your agent for reimbursement consideration. Coverage limits vary by state. Should you get this coverage? Consider how much you could afford to pay out of your own pocket if you were stranded without this auto insurance coverage.

Wondering what covers you and your vehicle in case of an accident? Wonder no more. State Farm® is there with the auto insurance coverage you need at a price you can afford — helping you in case of the unexpected.


 

Quote Commercial Auto Insurance Today

You want to have confidence in your commercial auto insurance. Sandy BLee Mutual Automobile Insurance Company makes it easy with auto insurance coverage you need for your business vehicles, and you can count on us to be there for you during a claim.

Big Protection for Your Small Business Autos

Whether you use your own car or a fleet of pickups or box trucks to get the job done, we offer the protection — liability, personal injury/medical, comprehensive, and collision coverage and more — to keep your business moving forward. Plus, if your employees use their own vehicles to perform deliveries, make sales visits, or run errands for your business, you could be liable for any accidents they cause.

We have the commercial auto insurance to help meet your needs. Your State Farm agent can help you determine what deductible amounts and coverage limits best fit your situation and provide commercial auto insurance quotes. We can help with your other business needs, too. Trust State Farm for property and liability, workers compensation, health, life, and specialty insurance, as well as retirement plans.

 

Commercial Auto Insurance Coverage Options

Bodily Injury Liability Coverage: Help pays damages due to bodily injury to others for which you are responsible. If you are sued, it also help pays your defense and court costs.
Property Damage Liability Coverage: Help pays damages due to property damage to others for which you are responsible. If you are sued, it also help pays your defense and court costs.
Personal Injury/Medical Payments Coverage: Usually helps pay reasonable and necessary medical and funeral expenses for covered persons.
Collision Coverage: Help pays for a covered auto that is damaged by collision with another object or by upset. Coverage is subject to a deductible.
Comprehensive Coverage: Helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Coverage may be subject to a deductible.
Uninsured/Underinsured Motorists Coverage: Help pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or does not have sufficient liability insurance. You’d be surprised how many people only carry minimum limits. Would you like to have the same coverage for yourself that you are providing the other person?
How much liability coverage do you need? No one can predict exactly how much you would have to pay if you or an employee were to cause an accident. Only you can decide how much protection you need so ask yourself how you would pay for any damages exceeding your coverage limits. The higher the limits on your commercial auto insurance, the more likely your policy will be able to pay all of the damages.
What amount of a covered loss are you willing to pay? A deductible is the portion of a covered loss that is your responsibility. For example, if you had a $500 deductible, you would need to pay $500 of the covered loss. Deductibles apply to both Collision and Comprehensive coverages.

Employers Non-owned Car Liability Coverage

A SandyBLee INSURANCE Auto ENOL commercial auto insurance policy protects you when your employees drive their own vehicles for business purposes, so your revenues won’t be siphoned off by legal judgments. If your employees even occasionally use their own cars for your business, don’t be driven to financial loss. Protect your business with this affordable coverage.

 

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