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Sometimes your car may get damaged because of other individuals’ negligence or some other unwanted circumstances. Thus, car insurance helps individuals deal with damages done to their car due to natural disasters, theft, vandalism or any other reason. In other words, if your car is insured, you do not need to pay the charges associated with repairing.

Insurance companies that JMW Insurance Solutions represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Riverside, California, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage you need.

Auto Insurance Coverage options in Riverside, California:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan, you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually include a deductible, ranging from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage over the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages is required.

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Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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  • At the initial stage, you will discuss your case with us, and we will address that issue with our team.
  • We will introduce you to the various insurance companies’ backgrounds, fee structures to help you select the package as per your need.
How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles) and your tolerance for risk.

Here are some additional lines of insurance that we service:

Antique Cars
SR-22A

Why choose us?

For more than ten years, JMW Insurance Solutions has matched car owners with the nation’s trusted and credible car insurance companies. You may directly call us or book an appointment with us. We set up free initial consultations with as many agents for you to make a well-informed decision.

We’ll get started on locating a highly qualified car insurance company witness for your case. Our experienced insurance team can help you understand your risk and great coverage at a competitive price. Not only this, but in the process of a claim, we can be a pillar for your claim to speed up the process and to achieve better outcomes so you can focus on other aspects of your life.

Our professional auto insurance agents provide their assistance in Riverside, California, including the Beaumont, Corona, Eastvale, Menifee, and Yorba Linda areas. They can assist you in finding the car insurance you need.

Call our office today to get more information and a quotation.

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