Month: December 2016

Is It Ok to Not Get Auto Insurance If I Cannot Afford it?

Posted on by agentinsure

For some people, the idea of purchasing auto insurance in Pismo Beach, CA, seems like something that is impossible. Some people do not think that they can afford auto insurance but in reality, you cannot afford not to have it in California. The agents at Neff & Associates Insurance Services are here to help.

What California Law States About Auto Insurance

In California, all drivers are required to have a minimum amount of auto insurance. The minimums are for liability insurance and are as follows:

  • $15,000 bodily injury liability per person.
  • $30,000 bodily injury liability per accident.
  • $5,000 property damage liability per accident.

What Can Happen If You Do Not Have the Minimum Amount of Auto Insurance?

There are legal ramifications if you do not have the right amount of auto insurance. You could face hefty fines, losing your license, and even jail time if you are caught driving without it. Not only that but, if you are in an accident you will have no protection to help pay for the damage to the other vehicle, and you will likely not have enough to pay for the repairs on your own.

Is It Necessary To Have Auto Insurance?

To be in compliance with the law, you do need to have auto insurance if you are a driver in the state of California. Additionally, it can cost you a lot more money in the long run if you do not have auto insurance.

You can get an auto insurance policy on a budget that meets your needs as well as the law requirements in California. To get started on your quote, contact Neff & Associates Insurance Services, serving Pismo Beach, CA, today so you can start driving legally. We will help you find the ideal policy that meets your budgetary needs.

Home Insurance Basics

Posted on by agentinsure

Home insurance is a great way to help protect your investment and to make sure that if something does happen to your home, you can rebuild or buy another home. Home insurance can be difficult to understand, but there are some basics that are universal across most home insurance policies. For those in Pismo Beach, CA, for example, you may need different home insurance than someone that does not live on the coast.

Knowing what type of home insurance you need is something that talking with an agent can make a great deal easier, there are however some basics that can get you started. Most home policies are going to cover fire, theft, damage from break-ins, damage from storms, and other acts of nature. Most policies do not cover things like a flood, hurricane, earthquake, and other events that are not common. If you live in an area where flood and hurricanes are common, you may want to take out additional coverage.

Most policies are going to cover things like the injury of people that come to your home and are injured on your property as well; it may also cover damage that was cased to someone’s car while it was on your property. Talking with an agent can help you determine what your policy is going to cover and what policy you need.

It is required by law that you have home insurance if you have a mortgage or a loan out against your home. This is in place to make sure that if there is damage, the lending agent can get their investment back and you have the option of rebuilding or buying a new home. Talk to an agent with Neff  & Associates Insurance Services in the Pismo Beach, CA area today.