Academy Insurance Services Inc. is a Fire and Casualty Insurance Broker licensed in the State of California. Academy Insurance specializes in comparison shopping over 100 leading insurance companies to get you the very best in price and coverage. Academy Insurance was established in 1984 as a small three person office. Our Mission is to provide you with the lowest cost automobile insurance available anywhere.
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Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.
You are at fault for an accident that injured two people and damaged another vehicle.
The other driver's total medical bills were $1,000 and the other passenger's total medical bills were $1,500.
The damage to the other vehicle was $5,000.
All injuries and damages would be covered because they fall within the Liability limits you selected.
You are at fault for an accident that injured two people and damaged another vehicle.
The other driver's total medical bills were $1,000 and the other passenger's total medical bills were $1,500.
The damage to the other vehicle was $5,000.
All injuries and damages would be covered because they fall within the Liability limits you selected.
When you are considering a car insurance policy, calculate how much coverage you actually need.
Decide on the limits you want to set for each category, the total deductible and if you are comfortable paying it.
Use common sense!
Does it make any sense to carry collision insurance worth $30,000 on a $12,000 car?
Is there any way the company could be paying you three times the market price of your vehicle?
A number of insurance requirements apply if you are getting a new car financed, so you have little room to wiggle there.
Decide on the limits you want to set for each category, the total deductible and if you are comfortable paying it.
Use common sense!
Does it make any sense to carry collision insurance worth $30,000 on a $12,000 car?
Is there any way the company could be paying you three times the market price of your vehicle?
A number of insurance requirements apply if you are getting a new car financed, so you have little room to wiggle there.
A. Absolutely not.
Even though many of the basic coverages- Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, Uninsured Motorist, etc. - are offered by companies, discounts and specialized coverages can vary greatly between companies.
California requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates.
California also has regulators who review that information and the rates companies charge.
A. They use insurance scores, and, depending on your state, also consider your driving record, type of vehicle, where you live, your gender, your age and other factors.
Even though many of the basic coverages- Liability, Collision, Comprehensive, Personal Injury Protection, Medical Payments, Uninsured Motorist, etc. - are offered by companies, discounts and specialized coverages can vary greatly between companies.
California requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates.
California also has regulators who review that information and the rates companies charge.
A. They use insurance scores, and, depending on your state, also consider your driving record, type of vehicle, where you live, your gender, your age and other factors.
For homeowners, insurance protection is an important aspect of homeownership.
Buying homeowners insurance, also called home insurance, means buying protection for your home - both inside and out.
Home insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment.
Home insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
Buying homeowners insurance, also called home insurance, means buying protection for your home - both inside and out.
Home insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment.
Home insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
Renters insurance covers damages to your possessions when you rent rather than own your home.
If you rent rather than own your home, having insurance protection for yourself and your possessions is still important.
Renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances - situations your apartment owner's policy doesn't cover.
Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks.
If you rent rather than own your home, having insurance protection for yourself and your possessions is still important.
Renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances - situations your apartment owner's policy doesn't cover.
Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks.
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