Auto insurance
Automobile insurance is a essential financial product that provides protection for vehicle owners in the event of accidents, theft, or other types of damage. There are several different types of coverage available, each addressing different risks and potential losses.
Understanding the various coverages available can help you make informed decisions when purchasing Auto insurance and ensure that you have the right level of protection for your needs.
If you were to cause an auto accident and your auto policy’s liability limits aren’t high enough to cover the damages suffered by the injured parties, you could be sued for a large sum of money. And factors that affect the amount of settlements include: the extent of the injuries, the medical care required to treat the injuries now and in the future, lost wages or lost ability to work, pain and suffering, and fault for the accident.
It's more important than ever that you have comprehensive Auto insurance coverages. We’ll work with you to check your existing policy for the following:
Third-party liability coverage: To protect your assets and income.
Comprehensive and collision coverage: The value of your vehicle(s).
We also offer options to customize your policy and extend your coverage:
New Car Replacement Coverage
Customized Equipment Coverage
Personal Liability Umbrella Coverage
Towing and Roadside Service Coverage
Accident Forgiveness
Loss of Use
Car Rental Reimbursement
Glass Buy-Back
Original Equipment Manufacturer
Auto insurance
Auto coverage considerations
A major concern is the number of uninsured motorists in California. It’s estimated that 17% of California drivers are uninsured.
The average car accident settlement in California is $20,000-30,000. The settlement will be higher for more severe or permanent injuries, and if the a driver was found to be driving under the influence.
Californians drive an average of 14,435 miles a year. That's 1.5 times the national average, and there are over 55,000 accidents a year in Los Angeles alone.
The most common causes of automobile accidents in California are distracted driving, speeding, and drunk driving. Despite laws prohibiting drivers from using cell phones behind the wheel, 80% of car accidents involve some form of distracted driving.
These are just a few of the main reasons you need to go beyond the basic coverages on your Auto insurance policy. Contact us to request a quote and secure the best Auto insurance coverages in California.
Extend Your Auto Insurance Coverages
Personal Umbrella policy provides an additional layer of liability limits to protect your assets when a covered loss exceeds the liability limits of your underlying Auto policy.
Classic cars hold a special place in the hearts of enthusiasts worldwide. These vehicles embody the nostalgia of a bygone era, offering a unique driving experience. However, owning a classic car also comes with unique risks and insurance considerations.
If you own a classic or collectible car and attend car shows or rallies, The Mark Newman-Kuzel understands that these automobiles are highly valuable, and have sentimental significance. That’s why we offer comprehensive coverages, along with options that include: Towing and Roadside assistance, Spare Parts coverage, and Full windshield and Safety Glass Coverage
You can also benefits from Multi-Vehicle Discounts when you insure more than one classic, custom or exotic.
Classic Car insurance
Be Road Ready
5 Mistakes To Avoid With Your Coverages
Your vehicle is an important investment, which means it needs protection. Securing the right insurance coverages is just as important as finding the right car, truck, scooter, or motorcycle.
Here are 5 common mistakes to avoid:
Forgetting to update your policy.
Buying the minimum coverage.
Not bundling your policies.
Not taking advantage of all of the discounts available to you.
Letting your policy lapse.
We’re here to help you make the best decisions regarding your vehicle coverages.
Contact us as we’ll make sure you steer clear of these mistakes.