Schmoekel Insurance Agency, Inc. Auto Insurance in Sacramento, CA

Make sure your car is covered with Schmoekel Insurance Agency, Inc.

If you don’t have auto insurance or are unhappy with your current provider, contact Schmoekel Insurance Agency today.

You need Auto Insurance because it is a legal, mandatory requirement. That means to drive on the road you must have liability insurance, so that if you hit another auto or injure somebody, your auto insurance company will pay for their damages. On top of that it is wise to have auto insurance so that you can protect your financial investment in the vehicle itself.

You can protect your motorcycle, ATV, snowmobile, jet ski, boat or other recreational vehicles with insurance that, like car insurance, protects you against loss from accidents, vandalism, break-ins and other situations where damage or injury may occur to you or others.Make sure you’re receiving adequate coverage for all of your auto insurance needs. Contact us for a free quote and a thorough analysis of your auto insurance history. We’re happy to help.

How is the deductible for Comprehensive or Collision coverage applied?

The deductible for Comprehensive or Collision applies to each loss that occurs to your vehicle. A deductible is the dollar amount you will have to pay toward the loss before the insurance company begins to make payments on the loss.

What are Medical Payments?

Basically, Medical Payments coverage provides coverage for necessary and reasonable medical and funeral expenses incurred as a result of an automobile accident for you or your passengers. It is typically in excess of your own Health Insurance.

What is covered under Bodily Injury and Property Damage?

This coverage pays for bodily injury and property damage to others for which you are legally responsible due to an auto accident in which you were involved.

What is covered under Comprehensive Coverage?

Some of the coverages under comprehensive include; theft of all or part of your vehicle, glass breakage, and damage due to fire, windstorm, hail, water, falling objects, vandalism, or hitting a bird or animal.

What is covered under Collision Coverage?

Collision coverage pays if your vehicle collides with an object, including another car, or if it overturns. Your insurer will pay to repair this damage even if the collision is your fault.

What is Uninsured Motorists Coverage?

Uninsured Motorists Coverage pays if you are hit by an uninsured driver, who is at fault. In addition you can purchase Uninsured Motorists Collision Deductible Waiver if you have collision on your vehicle or Uninsured Motorists Property Damage if you do not. However, the uninsured driver must be identified to collect under the collision deductible waiver or the property damage.

Is there any reason why I should carry higher than minimum liability limits?

If you have assets you need to protect, you may want to carry higher than minimum liability limits to protect yourself from lawsuits by a person or persons you may injure in an accident. You should check with a legal representative if you are unsure.

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