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Uninsured/Underinsured Motorist Insurance Coverage

Why is Uninsured/Underinsured Motorist coverage such an important part of my auto insurance policy?

Unfortunately there is confusion when it comes to the different types of coverage found on one’s personal auto insurance policy. Collision, Comprehensive, Property Damage, Liability, Medical, Per Occupant, Per Incident, Uninsured Motorist, Underinsured Motorist, these are some of the terms and/or coverages you’ll find in your auto insurance policy, but are familiar with what they mean? Perhaps more importantly, are you familiar with what the ramifications are if you do not have sufficient amounts of coverage in these areas?
California state law states every vehicle shall have a minimum amount of insurance coverage in order to be lawfully driven. Those minimum limits are 15/30/5. This translates to A) $15,000 maximum injury or death coverage per person occupying the vehicle B) $30,000 maximum injury or death per vehicle per incident regardless of how many occupants and C) $5,000 maximum for property damage caused. These minimum amounts of coverage were established in the late 1960s, and have not been adjusted since.
So, why is uninsured/underinsured motorist coverage so important?

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Three common Home Insurance myths

3 Common Home Insurance Myths

How much do you know about home insurance coverage? If you are like most people, you have a policy but aren’t quite sure what it covers.

Unfortunately, this lack of knowledge of home insurance by the general public has caused some ugly misconceptions about insurance to spread — myths that could cost you and your family a ton of money. Here are three myths about homeowner’s insurance and their respective truths.

Myth #1: Your Homeowner’s Policy Covers Your Home-Based Business

Do you run a business out of your home? Maybe you sell vitamins, makeup, jewelry, or something completely different through a marketing program. Perhaps you handcraft items to sell at festivals or offer services to clients who visit you at your residence. Either way, you might believe the myth that your homeowner’s insurance covers your business endeavors.
This is a myth! Most homeowner’s insurance policies specifically exclude home businesses. This means that if you have an inventory of product stolen or a client becomes injured at your residence, you may not be covered. According to Independent Agents and Brokers of America, nearly sixty percent of home-based business owners do not have appropriate insurance coverage.

Thankfully, most insurance companies offer a rider for home businesses that is pretty affordable.

Myth #2: Earthquakes and Floods Are Covered

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Huntington Beach Auto Insurance | First Beneficial Insurance 1-844-InsurCA

Huntington Beach Auto Insurance

First Beneficial Insurance Services is an independent Insurance Broker servicing the city of Huntington Beach. By being an “Independent Insurance Broker” we are better able to serve the needs of our clients. Rather than being a “Captive Insurance Agent” who is serving the needs of their insurance company first.

The insurance products we offer are Auto Insurance Huntington Beach, Home, Renters, Motorcycle, RV, Boat, ATV, PWC, Business, Commercial Vehicle, Worker’s Compensation, Life, Group Medical, Special Event, and much more. Our relationship with over 100 different insurance companies allows us to offer our clients competitive pricing, and when we bundle policies, we can arrange for deeply discounted premiums. When we bundle auto and home for instance, we regularly see our clients saving $400 – $600 per year on the premiums.

Now, each situation is unique, so there is no typical amount saved. We are confident we can save our clients money on their premiums. If we are unable to save them money, we’re upfront and explain to them either A) they’re in a great product already and should stay put, or B) the reason they are paying too little for their personal situation. There are never any high pressure sales. We pride ourselves on educating our clients on the value and protection available to them through various insurance products and coverages.

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Insurance Broker vs an Agent



Brokers Versus Agents: Who Has Your Best Interests in Mind?

When it comes to auto insurance, all of us drivers need it.

In California, it’s the law that we have it. Most of us will simply call up the guy or gal their family or friend uses and use them. But… is there a better way?

Can you save money on car insurance?

Yes – you can. And it’s actually obvious… you need to shop around.

To get the best deals, need to consider the following: 

How much does an average policy cost?

How much coverage do I need?

Do I even need certain types of coverage?

When purchasing an insurance policy we’ve all asked ourselves these questions.

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5 Factors That May Be Affecting Your Auto Insurance Rates In California


Auto Insurance can be confusing and determining your rate can involve several different factors. The factors affecting your rate can vary, however, these are some of the common factors that will be considered:


1. The Car You Drive. 

What you drive is important. The safer your car, the more favorable the risk is to the Insurer. Auto Insurance Companies compile data on vehicles they insure, as well as tests done by safety institutes and consumer protection organizations. This data is used to determine which vehicles likely sustain less damage and cause fewer injuries to occupants. This results in vehicles with higher safety ratings being more affordable to insure. Vehicles with lower safety ratings can cost more to insure due to the higher likelihood of greater damage and/or injuries to occupants. So, the next time you set out to purchase a vehicle, be sure to check on the safety ratings for the make/model/year of the vehicle you are interested in. Doing so may very well save you money over the life of your ownership of your new car.

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