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.

Most auto insurance policies include an automatic renewal within their terms, which can be great for anyone that does not want to handle paperwork or have to search for a new policy. Still, it also means that your rates may increase without you noticing. Roughly one month before your policy expires, you’ll receive a letter from your insurance company to discuss the renewal. It will include your new car insurance premium, a revised declaration page, and new insurance cards for your vehicle. If you ignore the letter and continue to make payments, your policy will automatically renew at the new premium rate on your renewal date. 

While there is no guarantee it will happen, your rates may increase at renewal. Insurance rates are calculated based on a multitude of factors, including your age, type of vehicle, and driving history. If you have filed any insurance claims or had a claim against you, been involved in an at-fault accident, received a driving ticket, or moved to a new zip code, then your auto insurance rates may increase. Additionally, if the market has changed in your area, like an increase in vehicle accidents or hail damage claims, that may lead to a change in your premium. 

If you decide to cancel your auto insurance policy, you’ll likely have the option to do it over the phone, or you may be required to send a letter to the provider stating your intention to cancel. If you decide to switch insurance providers, you’ll need to do so before your current policy expiring to avoid potential repercussions. At Commercial One Insurance Service in Burlingame, CA we can assist in shopping for auto insurance rates within your budget. Give us a call today to learn more.

Most auto insurance policies include an automatic renewal within their terms, which can be great for anyone that does not want to handle paperwork or have to search for a new policy. Still, it also means that your rates may increase without you noticing. Roughly one month before your policy expires, you’ll receive a letter from your insurance company to discuss the renewal. It will include your new car insurance premium, a revised declaration page, and new insurance cards for your vehicle. If you ignore the letter and continue to make payments, your policy will automatically renew at the new premium rate on your renewal date. 

While there is no guarantee it will happen, your rates may increase at renewal. Insurance rates are calculated based on a multitude of factors, including your age, type of vehicle, and driving history. If you have filed any insurance claims or had a claim against you, been involved in an at-fault accident, received a driving ticket, or moved to a new zip code, then your auto insurance rates may increase. Additionally, if the market has changed in your area, like an increase in vehicle accidents or hail damage claims, that may lead to a change in your premium. 

If you decide to cancel your auto insurance policy, you’ll likely have the option to do it over the phone, or you may be required to send a letter to the provider stating your intention to cancel. If you decide to switch insurance providers, you’ll need to do so before your current policy expiring to avoid potential repercussions. At Commercial One Insurance Service in Burlingame, CA we can assist in shopping for auto insurance rates within your budget. Give us a call today to learn more.

Car accidents can be very stressful when you don’t know how to handle the situation. In the event of a car accident, there are critical steps you need to take to prevent further injuries and even save lives. When you do everything right, it will also make the claims process easier. If you’re looking for an auto insurance company serving Burlingame, CA, Commercial One Insurance Service can guide you through the types of auto policies available and ensure you make the right decision.

What To Do When You Have Been in a Car Accident

Try to remain calm, and ensure that your car is in a safe, well-lit place. It’s important to check whether any injuries are sustained depending on if you had a major or minor collision and take note of it. This ensures there aren’t any false claims being made later that could cost you. If anyone is hurt or the road is blocked due to the accident, call an ambulance and the police for help.

Do not take responsibility for the accident until you are completely sure of what happened. This ensures that your insurance protects you from liability costs if the fault wasn’t on your side. Don’t apologize; some drivers might take it as an admission of guilt and use it against you when claiming damages caused during the accident.

Exchange information

After everyone is safe, share your contact information and Insurance details with each other. Contact your insurance company immediately, and even if you don’t intend to make a claim, ensure your insurer is informed if the other driver decides to.

Getting in a car accident is very stressful, and unfortunately, an unavoidable and unseen occurrence that every motorist should be ready for. Ensure you note down as much as possible to the finest details. This helps with your insurance claim should you decide to make one.

While at the scene of the accident, don’t start engaging in a discussion of who is right or wrong. Share your insurance details and policy number with the other driver and ensure they do the same. Notify the insurance company soonest possible; the longer you wait, the more it becomes harder to claim.

Even if an auto insurance policy doesn’t guarantee safety on the road, knowing that your losses will be covered after an auto accident provides peace of mind. Contact Commercial One Insurance Service serving Burlingame, CA to get sound advice on the different types of auto insurance policies available and what they cover.

Suppose you have just moved to Burlingame, CA, and you’re looking for auto insurance to meet the state requirements. In that case, it is important to contact Commercial One Insurance Service, which is one of the leading insurance agencies in this region. Besides contacting a leading insurance company, it is necessary that you have a comprehensive understanding of the minimum car insurance coverage in California. 

Bodily Injury Liability

In California, the law requires all auto owners to carry bodily injury liability sufficient to cover $15,000 for every injured person. However, you can have a minimum cover of $30,000 to cover for two or more injured persons. It is also essential to highlight that the $30,000 will be the minimum requirement for any auto accident you are likely to be involved in. 

Property Damage Liability

Besides the bodily injury liability coverage, insurance laws in California require every person driving on the roads to have property damage liability for the possible damages to the properties through an accident. In this category, every motorist is required to have property damage liability coverage of not less than $5,000. 

Uninsured Motorist Coverage

The laws covering insurance policies for vehicles in California also provide for the necessary coverage of uninsured motorists and property damages. The requirements state that the coverage must be $15,000 per person for the uninsured motorist while uninsured property damages of not less than $3,000. 

Are You Looking for Auto Insurance in California?

As a new resident in Burlingame, CA, you might not have a comprehensive understanding of the complex auto insurance policies in this state. It will be necessary if you can work with one of the leading auto insurance agencies in California, Commercial One Insurance Service, for an auto insurance policy. Working with a company that is familiar with California insurance laws will eliminate the possible complexities that you’re likely to experience.