What We DO
Liability insurance covers you in the event you are in a covered car accident and it is determined the accident is a result of your actions. Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries. Most states have a minimum requirement for the amount of liability insurance coverage that drivers must have.
If there is a covered accident, collision coverage will pay for the repairs to your car. If your car is totaled (where the cost to repair it exceeds the value of the vehicle) in an accident, collision coverage can pay up to the value of your car.
What if something happens to your car that is unrelated to a covered accident - weather damage, you hit a deer, your car is stolen - will your insurance company cover the loss? Liability insurance and collision coverage cover accidents, but not these situations. These situations are covered by Comprehensive (other than Collision) coverage.
While state laws mandate that all drivers should be insured, this is unfortunately not always the case. Another issue that can arise is that while a driver may have liability insurance, many states have relatively low minimum coverage requirements that may not be enough to cover all of the expenses of an accident. So, if someone is legally responsible for damages related to an accident, you won't receive any payment if they do not have coverage or you will receive less than you need to cover the cost of damages if your damages exceed their coverage amount. This is the type of situation where Uninsured and Underinsured Motorist Protection would help with expenses.
Delivering custom made insurance services
Inclan Insurance Services are representatives of over 100 well-respected insurance companies. The Inclan team uses their knowledge of these insurance products to create custom made insurance solutions for drivers in california often combining a number of insurance products to ensure their customers have the complete protection they need. It’s Inclan’s ability to match the right insurance product to their customers needs to deliver the most effective solution that has allowed them to build a sterling reputation by drivers in California.
Why do you need auto insurance in california?
Drivers in california are required to maintain minimum levels of auto insurance coverage. But beyond the minimum, your insurer will offer many coverage options. What do they cover, and which ones are right for you?
Our guarantee to our customers
In an uncertain world, you need the certainty that comes with having the right team of insurance experts working with you to protect your business and stakeholders. We offer our clients the personalized attention along with a high level of expertise, client-centric support, and experience. We have the infrastructure and personnel that allows us to work with our customers to design complete insurance solutions that give our customers peace of mind.