Elect Insurance Center in Chula Vista
Elect Insurance Center in San Diego
Elect Insurance Center in Chula Vista
Elect Insurance Center in San Diego
Elect Insurance Center in Chula Vista

Insurance Is An Important Aspect
Of Your Daily Life

And while most people do not use their insurance coverage, everyone must have it when it comes to an automobile.

Auto insurance is mandatory due to the risk of auto accidents that involve bodily harm as well as property damage.

With so much risk and the cost associated with it, it is important to understand the landscape of the insurance field and to choose your agent carefully, there are some distinct differences between companies and it will benefit you to know them well. Lets examine why it is important to have a personal insurance broker versus having a large conglomerate handling your policy.

When It Comes To Your Car You Want To Take Care Of It

You use the best oil and the best gas. You keep it clean and you pamper it every chance you get.

With so much care for your car why would you skimp on your insurance?

When it comes to larger corporations they are capable of doling out sums of money when needed. However, when the process begins it is just that. A process. From countless hours on the phone to days without clear direction they are not very interested in bringing you quick decisive service. That is where your local, personal agent comes in.

Local Insurance Agencies Are Accountable Because They Live Where You Live

They live in the same communities and they work just down the street.

Because of this they have a vested interest in seeing your claims handled quickly and correctly.

Large companies such as AAA and Gieco may be able to handle the cash payouts but they will never be able to replace the friendship and bond that is forged wit ha local partner.

One Of The Most Overlooked Aspects Of The Insurance Business Is That Large Corporations Have One Thing In Mind

They are mainly concerned with their bottom line and making sure that the shareholders make a profit.

While profit is good it makes for a lousy friendship. Your local agent is going to make a profit hopefully, but they will not do it at the expense of a good reputation. And that is something that cannot be insured!

Chula Vista Police Department DUI Saturation Patrol Results

Chula Vista Police Department DUI Saturation Patrol Results

Chula Vista – Officers from the Chula Vista Police Department conducted a DUI Saturation Patrol on Saturday, November 10th, 2012 within the City of Chula Vista. The DUI Saturation Patrol was aimed at increasing public awareness, decreasing the number of drivers who drive while under the influence of alcohol and/or drugs as well as insuring…

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Porsche-911_Carrera_S_Cabriolet

Top 6 Cars For Auto Enthusiasts in 2012

If you love cars, there is no end to the options out there to keep you entertained. Among the thousands of makes and models, there are six cars that really stand out from the crowd. Take a look at these top 6 cars in 2012 to find your next set of wheels. Porsche 911 Carrera…

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Chula Vista Library

Quarter Book Sale TOMORROW-South Chula Vista Library 389 Orange Ave 8/15, 10-7pm

Article by Chula Vista Library Join us for a special 25-cent used book sale! Find some great books at an even greater price! All proceeds support the Friends of the Library nonprofit organization. The Friends of the Library pay for programming and library materials for the Chula Vista community. TOMORROW Wednesday, August 15, 2012 10…

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Insurance Policy

What Other Coverages are Available?

Insurance companies must offer the following coverage with every automobile policy: Uninsured /Underinsured Motorist Provides liability insurance when the party at fault does not have the state required minimum liability coverage, or the minimum liability coverage is insufficient to cover the injuries sustained in the accident. Likewise, uninsured motorist property damage covers possible reimbursement for…

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Why Is It All Up to Me?

Why Is It All Up to Me?

It is not the responsibility of the company or agent/broker to determine either the type or amount of coverages you need. You and the agent/broker should have an open exchange about the coverages that are available so that you can determine what best fits your needs. The time to discover that you do not have…

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Show Proof of Insurance

When Must You Show Proof of Insurance?

The Legislature passed a law requiring motorists to produce proof of insurance before the Department of Motor Vehicles renews vehicle registration. The new legislation also requires motorists to display proof of insurance when they are stopped by a police officer for traffic violations. Drivers who can’t do so may be subject to fines and other…

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consumer rights

Consumer Rights/Protections Related to Automobile Insurance

In November of 1988 Proposition 103 (Prop.103) was enacted into law by the voters of California. Prop. 103 provides many consumer protections related to purchasing and maintaining automobile insurance. The following are some of the key provisions of Prop. 103 which protect your rights as an insurance consumer: Good Driver Provision. Prop.103 established a legal…

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Financial Responsibility Laws

Financial Responsibility Laws

California’s Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions. The statutory minimum limits of liability insurance in California are as follows: Bodily Injury -$15,000 for death or injury of any one person, any one accident. -$30,000 for all persons in any one accident….

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california map

What are California’s Legal Requirements for Financial Responsibility?

If you drive an automobile in California, state law dictates that you must be financially responsible for your actions. All drivers must show their ability to pay for damages or injury to others resulting from the ownership or operation of a motor vehicle. Info by www.insurance.ca.gov

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chula-vista-auto-insurance

What is Automobile Insurance?

Automobile insurance is simply a contract that helps pay for certain types of financial losses or obligations resulting from the use or ownership of an automobile. To obtain this contract (insurance policy), you pay a specified amount of money called a premium. In return for the premium paid, the insurance company agrees to pay certain…

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