As a leader in California auto insurance, Acceptance strives to provide
exemplary value and service to each of our policyholders. Through
affordable pricing and great coverage, we provide a wide range of
policies to suit all types of drivers, from those with perfect driving
records, to high risk drivers. No matter what your situation, Acceptance
has a policy to fit your needs with a wide range of coverage and
California requires mandatory minimum liability coverage featuring
$15,000 of coverage in the event of injury or death for one person,
$30,000 for more than one person, and a maximum of $5,000 of coverage
for damage to property.
Basic Liability Coverage
It’s important to note that basic liability coverage is intended to
protect the other party, and not yourself, or your property (your car or
belongings inside it). These minimums exist in order to ensure that each
driver on the road has a minimum amount of coverage but it’s worth
considering additional coverage as the expense of even a mild accident
could easily exceed your coverage, leaving you vulnerable to paying out
of pocket or lawsuits by the other parties involved.
Comprehensive and Collision Coverage
While basic liability coverage is all that is required by law, many
policyholders opt for more comprehensive policies including additional
coverage such as theft, vandalism, and additional property coverage that
ensures you’re covered if you need to replace or repair your vehicle
after an accident. You can even purchase rental car reimbursement
Uninsured Motorist Coverage
Even though there is a minimum coverage in the state of California,
there are many drivers who do not meet these requirements. There are
also times when the damages to your vehicle will not be completely
covered because the driver at fault is underinsured. With Acceptance,
there are coverage options to make sure you are protected should either
If you’re in a car accident and want to file a claim with a car insurance company, then you’re likely going to be dealing with an auto insurance claims adjuster. Claims adjusters work for the insurance company to deal with claimants, investigate the details of the accident, check your coverage, and determine a settlement to cover your loss or damage.
Did you know that December is National Impaired Driving Prevention Month? Every year since 1981 each President of the United States has dedicated this month to educating the public on the dangers of driving while impaired.
Winter is coming and in many parts of the country, winter weather can be unpredictable. Suddenly every day tasks like driving become more difficult due to snow, ice, or freezing rain. According to the NHTSA, 17% of all vehicle crashes occur during winter conditions. It is important to take extra precautions when it comes to driving in these circumstances.
While gap insurance isn’t required to be a part of your insurance policy, this type of add-on coverage can financially protect you from a total loss. If you owe more on your loan than your car’s current market value, you are considered “underwater” or “upside-down” on your loan. In order to avoid making payments on damages that exceed the value of your car, it may be worth it to consider adding gap insurance to your policy.