Automotive/Motorcycle

Insurance 101 

Standard Auto Insurance

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.

  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with Pecan Street Insurance today for more information about what Liability Coverage can do for you.

Comprehensive Coverage 
Security On and Off the Road.

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Pecan Street Insurance, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At Pecan Street Insurance, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:

  • Theft or Larceny

  • Vandalism and Glass Breakage

  • Fire Damage

  • Hail, Water, or Flood Damage

  • Hitting a Deer or Other Animal

  • Damage from Falling or Flying Objects

Other Non-Collision Related Services

In addition to Comprehensive, Pecan Street Insurance also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.

  • Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.

  • Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.

Uninsured/Underinsured Motorist Coverage


Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Pecan Street Insurance to find out how you can be prepared for any situation on the road.

Diminishing Deductible

As a driver, safety should be one of your top concerns – safety for your passengers and for other drivers on the road. When you find the right coverage with Pecan Street Insurance, you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver.

When you sign up for Diminishing Deductible, you’ll receive an immediate $100 credit on your deductible. From there, you can add $100 of more credit for every year – simply by being a safe driver. Drivers under Diminishing Deductible can receive up to a maximum of $500 credit.

For even more options, talk to a representative with Pecan Street Insurance about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.

It’s just one more way that Pecan Street Insurance can provide quality coverage options for safe drivers.

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FOR IMMEDIATE ASSISTANCE, PLEASE CALL US AT

(626) 359-6626

 

© 2019 CR Stelling

 Serving California, Southern California, Greater Los Angeles Area, Monrovia

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(626) 359-6626
fax: (626) 359-6444
C.R. Stelling Insurance Agency   

631 E. Foothill Blvd

Monrovia, CA 91016