ATV Insurance Policy Temecula, CAFour-wheelers, ATVs, UTVs, side-by-sides and more are so much fun! Some are used for work purposes such as around the farm or hunting, but many are used purely as a recreational vehicle for weekend fun! Regardless of how you use your ATV, you may want to consider an ATV insurance policy. We answer the most common questions that come up both in our office and around the country in the claims departments regarding ATV insurance.

Doesn’t My Home Insurance Cover This?

If your ATV is used only on your property and never off, then likely your home insurance policy will provide some coverage. It is always best to check with your insurance agent on how much coverage and what circumstances are or are not covered.

Is ATV Insurance Expensive?

ATV insurance is very inexpensive when compared to an auto insurance policy. In fact, it can be under a dollar a day. Talk to your insurance agent for a free insurance quote.

Am I required to have it?

Typically no. Just because you own an ATV doesn’t mean you need to have insurance on it. However, if you use your ATV on state lands, parks or other public areas, it would be incredibly unwise to operate your vehicle there and many state lands and parks will require riders to have the vehicle insured and licensed for use in the parks.

What discounts are available?

The most common discount available would be a multi-policy discount for insuring other products with the same company. For instance, if your home and auto insurance is already with an insurance company, that same company may offer you a discount on your new product.

My ATV Is customized, is there coverage for that?

Custom parts and equipment can be added to most policies. Some policies will even include some customer parts and equipment into your base rate. If your ATV is customized it is important to keep up to date documentation of custom parts in the event of a claim.

If you’d like a quote on your ATV/UTV or side-by-side, give us a call. Our licensed staff can quickly and easily help you decide what coverage and options are right for your situation.

Boat Insurance Temecula, CAAh, boating. Whether you enjoy taking your boat out for a ride, waterskiing or fishing, boats bring joy and relaxation. Like any vehicle, there comes risks with operating a boat and understanding your insurance coverage is crucial. While having a conversation with your local insurance agent can clarify any of your questions, we’ll share the five most common boating claims and the insurance that can cover it.

But first, you may want to know what some boat insurance coverages are. Coverages may include collision, property damage, liability, towing and assistance and comprehensive coverage. If you have a small watercraft, talk to your agent to see if your home insurance provides any coverage and if that makes sense for your situation.

Boat insurance cost varies for each individual such as your boat’s value, size, year, how you plan to use it and how much insurance coverage you want.

5 Common Boating Claims

Injury – Need Bodily Injury Liability Coverage

Injuries on the water are common.  If you caused somebody to get hurt in another boat or one of your passengers were injured, there are insurance coverage options. Bodily injury liability can cover medical bills, lost income, pain & suffering and legal expenses. Be sure you know how much you are covered for. Also, if you plan to use your boat for waterskiing or wakeboarding, talk to your agent about the specifics of your coverage for passengers if they were to get hurt while skiing.

How to lower your risk for a boating insurance injury:

  • Take a boating safety class.
  • Always have a life jacket for everyone on the boat. Be sure they fit the proper requirements.
  • Be a defensive driver. Always be aware of your surroundings when driving your boat.
  • Never drink and drive.

Hitting an underwater object – Need Collision Insurance Coverage

This potentially could cause major damage to your boat. Many boat claims come from hitting a rock or other submerged object you can’t see in the water.

How to lower your risk:

  • If your boat has a depth sounder, always pay attention to it while driving.
  • Follow the proper path for marked channels & be aware of water hazard markers.

Theft or Vandalized– Need Comprehensive Insurance Coverage

Comprehensive coverage will cover if your boat is stolen. It may or may not cover the items inside your boat. Talk to your agent about the details of your insurance policy.

Weather Damage – Check with Your Local Agent

Depending on where you plan to boat, there are always chances of a wind storm, lightning or hurricane. Speak with your agent to know if your boat is covered from any storm damage, as well as flood damage.

Accident with another boat or object– Need Collision Coverage

This may be covered with your standard boat insurance policy. Talk with your local insurance agent to go over specific scenarios where coverage may vary.

Many additional boat insurance options exist. We have policies that will cover your personal items while on the water such as fishing equipment and wakeboards. Want to be sure you get the right boat insurance policy? Call our licensed agents at Fadaie Insurance Services, Inc in Temecula, CA. We’ll find ways to save you money & help explain your insurance coverage so you know exactly what you are covered for.

Auto Insurance Options Temecula, CAWhether you are searching for car insurance, shopping for a lower car insurance rate or just need a new plan, you’ve come to the right insurance agency.

Our agents will shop to find the best insurance rate & coverage for your specific needs. Plus, we can search for many discounts, particularly if you are bundling multiple policies like an auto & home or renters insurance together.

When it comes to shopping for car insurance, there are many options for coverage. You could get the bare minimum for car insurance or you could have full coverage for your policy. Each state varies with what is required for minimum car insurance coverage but the minimum will include bodily injury liability & property damage coverage, it is up to you to decide how much of it.

What about collision & comprehensive coverage for your auto insurance policy?

Collision insurance coverage will cover your vehicle if it is damaged when it collides with something. Examples: colliding into another vehicle, a tree or a guard rail. Your insurance coverage will pay for repairs or even replacement of your vehicle in the event of a total loss.

Comprehensive insurance coverage covers most other damages besides collision that could happen to your vehicle. Example: your car catches on fire, something falls on your car like a tree, collisions with an animal, your car gets vandalized or you experience car theft. There are a few exclusions, so be sure to discuss with your agent what those might be.

When it comes to deciding if this coverage is worth it, a few things to ask yourself:

  • If I didn’t have this coverage, do I have the finances to pay out of pocket for the repairs or replacement of my vehicle?
  • Do I have a loan? If so, comprehensive and collision coverage will be required by your finance company.
  • How valuable is my car? Would it be possible to replace your car if you didn’t have the insurance to pay for it?
  • Do I live in an area where car theft is common?

It is important to understand that all coverage and policy questions are specific to the policy that you purchase.  This article has been provided to help you understand how insurance works and does not imply every policy is the same or that coverage will exist. If you have more questions about your auto insurance policy talk to one of the licensed agents at Fadaie Insurance Services, Inc. We understand that insurance can be confusing, so we always want to make sure you fully understand what you are or are not covered for.

What to do if you get into a car accident in Temecula, CABeing in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, as well as ensure you are covered for the loss when it does happen. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation.

Fadaie Insurance Services, Inc. provides multi lines of insurance such as auto, home or business insurance to families and businesses. Our agency works hard to build quality relationships with the community and service them with preferred products that will meet their expectations in terms of coverage, service, and price.

Renters Insurance Temecula, CAIf you’re like 2 out of every 3 renters who rent a home, apartment or other dwelling, you don’t carry a renters insurance policy. The reason for not carrying renters insurance varies, but it is important to understand that your landlord is not responsible for your personal belongings if they are damaged, stolen or otherwise. You alone are responsible for your things, so protecting them with a renters insurance policy is important.

When you’re ready to speak to an agent, consider the following:

  1. Cost: Renters insurance is typically very inexpensive, usually not costing more than just $1 per day! Think about it, if you buy a coffee in the morning, that is about 2-3 times as much as getting a renters insurance policy.
  2. What’s covered: Renters insurance will typically cover your clothes, furniture, electronics, bicycles and jewelry, but only up to what your policy limits say. You have a choice to add additional coverage to cover certain items that may exceed your policy limits such as furs, art and jewelry.
  3. What loss types are covered? Typically, your renters insurance will cover your items due to fire, theft, smoke and water damage if your home has a water leak (talk to an agent about flood specifically as this coverage varies). A renters policy can also cover your items while your away. Say you ride your bike to a park and it gets stolen there. Renters insurance will typically cover that loss.
  4. Injuries: Another reason renters insurance is great is that it provides you with liability protection if you’re found to be liable for injuries to someone who is at your home.
  5. Roommates: Many people have roommates who live with them. If you want an insurance policy to cover your roommate you must get your insurance company to list them on the insurance policy. It is always a good idea to have your roommates listed on the policy. It helps protect your household – not just either party.
  6. Dogs: If you have a dog in the house, be sure to tell your agent.

Understanding insurance can be difficult, but simply going without it shouldn’t be an option. If you have additional questions about Renters insurance, contact our agency to discuss your options. It is even possible that you’d get a discount for bundling your policies. You can also get a quote online today!

Classic Car Insurance Temecula, CAMany of us collect classic cars and for good reason – they’re valuable assets and they’re fun! Regardless of what you collect or why you collect it, we all share a passion for these vehicles of the past.

For those of us who are classic car enthusiasts we need an insurance policy that matches our use and ensures that the value on our vehicles is appropriate.

Insuring your classic car is not the same as insuring your every-day driver. Insurance policies are typically less expensive and are written on an agreed value. Your classic car insurance policy can be custom tailored just to your specific vehicle, stage of restoration or usage.

Here are some examples of how you can tailor your classic car insurance policy:

Example 1: If you don’t really drive it but want to protect it in the event of an unforeseen claim, you can get a policy like that.

Example 2: If you use your classic car as an off-road vehicle and don’t want to protect the vehicle from damages from branches or other collisions, there is a policy for that.

Example 3: For those individuals who love to take their classic car on a road trip, there is coverage to protect you if you break down & it can offer a replacement vehicle, food, shelter and more.

Example 4: Need unique parts for your classic car due to a loss? There’s a policy that offers stock original replacement parts.

Each person is unique as the vehicle they collect and that is why it is imperative to talk to an insurance agent to find just the right policy for your classic or antique automobile.

Additional consideration should be made if you have a personal umbrella policy with another carrier. That carrier will typically require you to carry sufficient limits on your classic car to match the coverages on your everyday driver. This ensures you don’t create a gap in coverage, even if you rarely drive it.

Fadaie Insurance Services, Inc. & can shop through several of our top-rated classic car insurance companies. Each insurance company specializes in specific policies such as insurance for regular use users, street rod enthusiasts, classics undergoing restoration or classics that need spare parts coverage. We’ll search to find the best coverage for your needs. Contact us today.

Personal Umbrella Insurance Temecula, CAThere are many scenarios that would warrant the need for an umbrella insurance policy. We outline a few of them here.

Example #1: Your teenage daughter is babysitting the neighbor kids and leaves the house for a moment to run to the store. When she returns, one of the children is badly injured and requires surgery. The child’s medical bills exceed $300,000. The parents of the children sue you to cover the medical bills.

Example #2: Your son dislikes his gym class as well as the teacher. He goes on social media and writes some very reproachful comments about the teacher that leave him in a bad light. The teacher sues and is awarded $500,000.

Example #3: Your 17 year old child decides to pick up some friends and go “cruising” in your car. He loses control of the vehicle while showing off how fast the minivan is. Each child is critically injured. Your umbrella policy helps cover the medical bills.

Example #4: You invite friends over to your home to celebrate the 4th of July. You provide all the entertainment, food and refreshments, including alcohol. One friend who is known for drinking too much, does just that, gets in his car and drives home getting in a terrible car accident that kills one person. The family sues you and you’re found to be liable for serving the friend too much alcohol.

Example #5: Your rental property’s deck is rotted and your tenant falls through it badly injuring their leg and requiring reconstructive surgery. A jury awards the tenant $750,000 for damages.

Example #6: You host a wedding on your property and rent a bouncy house. The house is not staked down and blows away in the wind with children inside of it. The kids are fine, but you’re sued for negligence. The families of the children are awarded $100,000 each for mental and post-traumatic stress.

Example #7: Your dog gets out viciously attacks the neighbors show dog. The dog can no longer show because it has scars and a limp. You’re sued for loss of income and a jury awards the dog owner $450,000.

Example #8: You’re the “cool mom” and agree to buy your kids and their friends alcohol if they promise to stay at the house. One of the friends leaves the house and is killed in an accident. He is found to be intoxicated. The parents of the child sue you for providing them with alcohol. A jury awards $2 million.

There are countless situations that can occur and exhaust your current liability limits on your home or auto insurance policy. The good news is that umbrella insurance policies are relatively inexpensive. Contact an agent at our office for your personalized umbrella insurance policy. Get a quote today.

 

Temecula, CA local insurance agentA local insurance agent listens to your needs then finds a customized insurance policy that fits those needs. When looking for insurance, consider your local, independent insurance agents in Temecula. We do more than just provide you with a great insurance policy. Because we live in a “need it now” society, instant quotes for auto insurance, home insurance and more seem attractive. However, these instant quotes don’t guarantee you are getting the best insurance rates and coverage for your situation. Here are some ways a local insurance agent can help you:

Professional Advice

Not sure how much coverage you need to protect your home or confused about what line of insurance you need to protect your small business? Local insurance agents not only want what’s best for you but we’ll provide our professional guidance as well. We’ll listen to your needs, strive to not only educate you on what you are and aren’t covered for, but also counsel you on what insurance company best fits you. Because we represent multiple insurance companies, you get choice.

Did you insurance increase? We can help.

If you have insurance through a direct carrier and you notice your car insurance increases by $300 the following year, you might be thinking it’s time to change carriers.  While your insurance may increase with a local insurance agent, all you have to do is reach out to your agent via email or phone. We’ll shop our many insurance carriers to find the best coverage for your needs & budget. Our agency works to save you time and money by working with pre-selected insurance companies and acting on your behalf to fit you into the right insurance program.

Guidance with how to deal with a claim.

Being involved in an insurance claim can be a hassle, but we can assist you throughout the entire process to make it easier on you. By simply calling us, you’ll quickly learn how to settle your claim and be made whole again.

Build a Relationship

Just like you have built trust with your doctor or dentist, we want the same type of relationship with helping you with your insurance. We strive to build that same trust when it comes to needing insurance guidance or saving you time & money. To us, you’re not just a customer, you’re a valued client who needs to be properly protected.

You Have Questions, We Have Answers

Your lifestyle and needs change over time and we are here to assist you with all of life’s changes. Whether you’re looking to start a business, going from renting to owning a home or needing to insure your new classic car vehicle, we are here to help with all your insurance needs.

We Can Do It All

Since we offer many lines of insurance, we can cover all your needs. Plus, when you bundle insurance policies, it may qualify you to save additional money. Get your home, car, boat and business insurance all under one roof to make it easy for you.

If you are looking to find a local insurance agent in Temecula, CA for your auto, home or business insurance, call Fadaie Insurance Services, Inc. We look forward to earning your business and will strive to create a lasting relationship.