California Auto Insurance  – Getting Correct Coverage

California auto insurance consists of several different components that can sometimes be a little confusing. However, with over 60 years of California auto insurance experience and access to numerous preferred insurance carriers, HWP Insurance can help you assemble these components into a sensible and cost effective insurance solution for your automobiles and other vehicles.

With California auto insurance there are basic types of coverage that are required by law. Then there is optional coverage to provide additional protection. An HWP Insurance professional will help you understand the circumstances where optional coverage becomes advisable or necessary for you and your family.

California Auto Insurance

Required Coverage

Liability Insurance is required for every driver in California, and certain minimum coverages limits apply. Liability Insurance pays for bodily injury and property damages that you are legally liable for. An HWP Insurance professional will be happy to provide you with additional coverage options to better suit your needs.

Optional Coverage

Collision Coverage. While Liability will pay for the damages to the other driver’s vehicle, the driver who is responsible for an accident will also be responsible for their own repairs. Collision Insurance will pay for these damages, subject to your deductible.

Comprehensive Coverage.
In situations where other factors cause damage to your car, such as theft, fire, vandalism and glass breakage, Comprehensive Insurance will cover these damages, subject to your deductible.

Medical Payments Coverage. Covers the medical costs (up to the specified limit) resulting from an auto accident for you, your family, or others in your car. This coverage pays regardless of fault.

Uninsured/Underinsured Motorist Coverage. Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or who does not have sufficient liability limits to pay for damages, subject to policy limits. Uninsured Motorist comes in two parts: uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). UMBI coverage pays for injuries to you or any person in your car when there is a collision with an uninsured/underinsured driver. UMPD coverage pays for the property damage to your car when there is a collision with an identified uninsured driver.

Rental Reimbursement Coverage. This coverage pays your expenses to rent an auto if you have a loss covered under Comprehensive or Collision benefits. Coverage is sold based on a daily amount of expense subject to a maximum limit.

Towing & Labor Coverage. Addition to an automobile policy that pays a specified amount for towing and related labor costs.

Our Options are Your Advantage

HWP Insurance is an independent broker. We do not cater to one specific company. Instead, we represent many different insurance carriers who have different plans and different prices. Our multiple carrier options are your insurance savings advantage.

Our top carriers are financially stable; they will handle your claims quickly and politely, and they will always treat you with respect and courtesy. Contact us today. We will help you find the best auto insurance solution at the most economical price.

Significant Auto Insurance Discounts

There are a number of valuable auto insurance discounts that you may be eligible for. As an HWP client, we will work hard to help you take advantage of as many of these discounts as possible. Learn more about Auto Insurance Discount.

Due to Governor Newsom’s “Stay at Home” order, our offices will be closed. If you have a claim to file, please note the carriers claims phone numbers listed under “Client Services”. Also, if you have a critical insurance issue, and leave a voice message at the main phone line, we will get back to you as soon as we can. We are working to have our employees set up remotely to assist you. We appreciate your patience during this critical time.