At Commercial One Insurance Service in Burlingame, CA, we understand the importance of ensuring that every vehicle on the road is operated by an insured driver. Plus, in the state of California, that’s the law. We have served many clients who had the unfortunate experience of being in an accident with someone without insurance and the headaches it caused.

We have also heard stories from individuals who were operating a vehicle without adequate coverage to pay for others’ vehicle damage and bodily injuries, and the hardships that came with it. Some of these individuals didn’t have insurance because they didn’t own a car themselves and saw no need for auto coverage. However, if you are operating a borrowed vehicle, you should consider carrying insurance to protect yourself financially in case of an accident.

Non-Owner Policy

If you don’t own a car, you can still benefit from a non-owner auto insurance policy. This type of policy provides liability coverage no matter what vehicle you operate, whether you borrow a vehicle from a family member, friend, or rent a car. Additionally, this type of policy can be useful if you need to file an SR-22 form with the state due to certain past traffic violations.

A non-owner policy will not cover the car you are operating, but follows you and protects you against liability for damages to someone else’s car or bodily injuries if you are responsible for the accident.

We Are Just a Phone Call Away!

If you don’t own a car, you are not required to have auto insurance. However, if you operate a vehicle on the roadway, regardless of ownership, it’s best to protect yourself financially with a non-owner policy. To learn more about auto insurance and non-owner options, we are just a phone call away. Contact us at Commercial One Insurance Service in Burlingame, CA, at (650) 652-9988.

If you’re in the Burlingame, CA, area and have recently welcomed a new teen driver into the family, Commercial One Insurance Service understands. The fears, concerns, and escalating car insurance rates can seem daunting.

Let’s put safety worries aside and appreciate the extra driver in the family. Here are some tips to ensure your young driver gets off to a safe start.

Set Rules About Distracted Driving

Distracted driving, particularly smartphone use in the car, poses a significant issue for new drivers. It’s worth addressing because it is not only illegal but also perilous.

Explain the Relationship Between Car Insurance Rates and Safe Driving

Your teen driver should recognize that high car insurance rates stem from their lack of experience, not from anything they have done wrong. They should also understand that maintaining a safe driving record can help them manage their insurance rates better.

Introduce Driving as Part of Adult Responsibility

Your children are likely used to you voicing your concerns. However, driving is different. As drivers, they bear responsibilities to passengers, other drivers, traffic laws, and the courts. Their actions behind the wheel can open the door to outside elements. In other words, driving represents part of the growing responsibilities of adulthood.

Check-In and Celebrate Progress

Encourage success. Celebrate each six-month interval without an incident. Praise the small achievements, such as maintaining the car in clean condition, filling the gas tank, or arriving on time. Even if they are not contributing to car insurance costs, keep them informed about why and when the rates change.

Request a Quote

Teen drivers are generally considered unsafe. However, this doesn’t mean your teen driver can’t be an exception. Rates may start high but can stabilize after a few years of consistent safe driving.

If you need a car insurance quote that includes your new driver, call us at Commercial One Insurance Service of Burlingame, CA. Let’s ensure your teen driver is on a safe path toward lower car insurance rates.

Auto insurance policies typically include several types of coverage. The actual coverage you need can depend on a range of factors, including whether you’re still making payments on your car, the car’s value, and potential threats such as weather or crime rates. Commercial One Insurance Service offers policies covering all these areas for our clients in Burlingame, CA. Let’s delve into each type of coverage.

Liability Coverage

This basic auto insurance type is mandatory for all drivers in Burlingame, CA. The main reason for this requirement is to ensure that drivers are financially responsible for any damage they cause during an accident, which liability coverage addresses. Policies in California generally offer coverage up to several thousand dollars for property damage and injuries.

Collision Coverage from Commercial One Insurance Service

If you want to cover the costs of damage to your own vehicle, you will need collision coverage. Remember: your liability coverage is designed to cover damage you cause to other drivers and property, not your own vehicle. Collision coverage protects your investment in your car.

Comprehensive Coverage

Other than accidents, motor vehicles can experience losses and damage from theft, vandalism, severe weather, and other unexpected events. If you are concerned about all potential sources of damage, you might want to consider comprehensive coverage.

Exploring Auto Insurance Options with Commercial One Insurance Service

At Commercial One Insurance Service, we are ready to provide these three types of auto insurance coverage. Contact us to set up an auto insurance policy or inquire about how our auto insurance services can help you.

So, you came outside one day, and your car was nowhere to be seen. You weren’t parked illegally and didn’t have any outstanding tickets. Quite obviously, someone stole your car! You start to panic. But you shouldn’t. It doesn’t look good, but you need to get a hold of yourself and do what you need to do. Maybe you can get your car back, and maybe you can’t. However, you may be compensated enough to buy another vehicle if you’re insured. Follow these steps.

Filing a Police Report for Your Stolen Car

• Call the Police. Report the crime immediately. They will want to know the make, model, and color of your car as well as plate number, VIN, and the time and place where this happened. If your vehicle has a GPS system, this could be helpful in finding it. 
• Call your Insurance Company. Once you have a copy of the police report, you can call your insurance company. They will want all the details. Make sure your policy covers theft. Comprehensive insurance most likely will. 
• If Necessary, Call Your Home, or Renters Insurance Provider. If you have any valuables in the car, your car insurance will not cover them. You’ll need to file separate claims for them. 
• Contact Your Lenders if Needed. If you have an auto loan or lease, your lender needs to know immediately. If documents were in your car, you’ll need to set up a temporary fraud alert with a major credit bureau. If a credit or debit card was in the vehicle, you may have to cancel it. 
• Keep Calm and Carry On. Insurers typically wait about 72 hours after a theft to process an auto claim. There’s a 45% chance your car will be found before this time. Rental Reimbursement Coverage will pay your fare if you have to take public transportation. As this is not your fault, your rates won’t increase. 

Commercial One Insurance Service Serving Burlingame, CA

If you are in the Burlingame, CA area and need auto insurance, please get in touch with Commercial One Insurance Service. We’re here to help.

If you own a vehicle, you must have a certain level of coverage in each state. However, there are different coverages available to owners. If you lease or finance your car or truck, you’ll need full-coverage insurance to obtain and keep your financing. Anyone living in or around the Burlingame, CA, area can count on Commercial One Insurance Service to provide the needed options. 

Insurance For Financed Vehicles

When you finance your vehicle, the financing company requires you to submit proof of your insurance. They will also need your insurance provider to report your status to them. If you want to find out what coverages are mandatory or available. Consult your financial provider and a knowledgeable insurance agent for the proper coverage. You’ll also get information and recommendations for the appropriate level of protection you need based on your vehicle type and your details. 

You can rely on our insurance expert team to provide the details and support you need to secure and maintain the right policy. At the same time, you meet your financier’s obligations for coverage. We can assess your current and future needs. We can help you submit your documentation to acquire your policy and help you with any changes during the policy’s life. 

Contact Commercial One Insurance Service Today

If you’re ready to learn more about your insurance options, we can help. Call or stop by Commercial One Insurance Service, serving the residents of Burlingame, CA. We are ready to provide exceptional customer service and reliable insurance products you can count on to protect from various risks. Contact us today to find out how we can help.

At Commercial One Insurance Service, an auto insurance provider, we are committed to helping drivers in the greater Burlingame, CA area stay safe on the roadways. This is why we provide tips to help you stay safe. Here are a few car safety tips for driving at night. 

Ensure Your Headlights Function and Illuminate The Road In Front Of You

It is crucial to test out your headlights at least once a month. Not only should your headlights illuminate, but they should be bright enough so that you can see the roadway ahead of you. If your lights are out or too dim to illuminate the path before you, they should be replaced. 

Drive a Bit Slower on Darker Roads

One of the biggest misconceptions about a posted speed limit is that it is the speed you must drive. That is only a recommendation when conditions are good. When it is darker, and you are unfamiliar with the road, do not be afraid to go a bit slower to stay safe. 

Avoid Looking Directly At Other Driver’s Headlights

This may sound like common sense, but unfortunately, many people look directly into other drivers’ headlights while driving. This can temporarily blind you or have you seeing stars. Avoid doing this, and instead, look down at the road as other cars pass you on the opposite side of the road. 

Pull Over and Rest If You Feel Tired

Lastly, always pull over and rest if you feel tired or start to doze off. Falling asleep at the wheel is a leading reason for car accidents. 

Tips can help you avoid an accident, but they cannot prevent all accidents. This is why it is so important to have great auto insurance that fully covers you. If you are in the market for a new auto insurance policy in the greater Burlingame, CA area, contact us at Commercial One Insurance Service to get the help you deserve. 

It’s no secret that regular car maintenance is vital for the health of your vehicle. But many people don’t realize that failing to get your car serviced regularly can actually end up costing you more money in the long run. In this post, we’ll discuss why it’s so important to get your car regular checkups, and we’ll also provide some tips on making the process as easy as possible. 

First, it’s essential to understand that car maintenance involves much more than just changing the oil or replacing your windshield wipers. A complete checkup by a qualified mechanic will involve inspecting every part of your car – from the engine and transmission to the tires and brakes. And this is crucial, as failing to address any potential problems with these parts can lead to more significant issues down the road, which are sure to be far more costly.

Of course, scheduling a car checkup is easier than you might think. Many mechanics offer convenient appointment times and will work with your schedule to ensure that you can get in for an inspection when it’s most convenient for you. So whether you need to bring your car in during a lunch break or after work, you should be able to find a mechanic who can accommodate your needs.

The bottom line is that regular checkups are essential to keep your car running smoothly. So don’t skip that needed routine maintenance! Bring your car in for checkups regularly. And, if you have any questions about your insurance, give us a Commercial One Insurance Service a call today. We proudly serve the Burlingame, CA area.

Auto insurance is something that every driver needs. But not everyone knows exactly what it’s or how it works. In this blog post, we’ll discuss the basics of auto insurance and answer some of the most common questions about it. So, whether you are a new driver just starting or looking to save money on your current policy, read on for everything you need to know about auto insurance!

What is Auto Insurance?

Auto insurance is a contract between you and an insurance company such as Commercial One Insurance Service in Burlingame CA. You agree to pay the premium, and the insurer agrees to pay for your losses as specified in the policy. The coverage can include damage to your car, medical expenses, legal fees, and more.

How Does Auto Insurance Work?

If you have an accident or your car is damaged in some other way, you will file a claim with your insurance company. If your policy covers the damages, the insurer will pay for them.

What Types of Coverage are There?

There are many different types of coverage available, and the type you need will depend on your situation. Some of the most common types of coverage include:

• Liability coverage, which pays for damages if you are at fault in an accident
• Collision coverage, which pays for damage to your car if you are in an accident
• Comprehensive coverage, which pays for damage to your car from events other than accidents, such as theft or weather damage
• Medical payments coverage, which pays for your medical expenses if you are in an accident
• Uninsured/underinsured motorist coverage pays for damages if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Conclusion

Auto insurance is an essential part of owning a car. By understanding auto insurance basics, you can ensure you have the coverage you need to protect yourself and your vehicle.

Contact your insurer if you have any questions about your policy or coverage. Commercial One Insurance Service in Burlingame, CA can help if you’re looking for a new auto insurance policy. Contact us today for a free quote.