California Auto Insurance

Today, a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds. And every 13 minutes a car accident results in a fatality. More than 31 million accidents occur annually at a cost of more than $100 billion. Theft and vandalism are other major perils— a vehicle is stolen every 20 seconds.

With more than 150 million drivers and registered vehicles on the road, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy.

At Malcolm Brown Insurance, we want to make it easier for you to understand your insurance needs and the many options available to you.

Give us a call at (310) 280-0946 to discuss your options.

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Go through the questions below to help you determine the right California auto insurance policy for you:

Why do I need auto insurance?
What are the different types of policies and what do they cover?
Why and how are policies priced for different drivers?
How does where I live affect my premium?
Why are rates different for different cars, even if the cars are the same price?
What is “no-fault” insurance?
Do all states require some kind of liability insurance?
What happens if I have an accident with an uninsured driver?
Why would my insurer cancel my policy?
What do I do if my insurer cancels or refuses to renew my policy?
How do I keep my insurance company from canceling my policy?
What steps can I take to reduce my rates?
How does adding drivers to my policy affect my rates?
Who’s watching the insurance companies?
Do I always need to buy insurance when I rent a car? Am I not covered by my own policy?
Am I covered for natural disasters or “Acts of God?”
What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
What should my policy include? Do I really need to read all the fine print?
What actually happens when I report an accident?
How can I challenge my insurers if they refuse to cover a claim?
Under what circumstance do I not need certain types of auto insurance?
Do I need special insurance for a classic car?

Some content reprinted with permission from Trusted Choice®; www.TrustedChoice.com