The Agreement<\/h3>\n\n\n\n
The agreement section is the part of the contract that highlights your responsibility to pay premiums in exchange for coverage. If premiums are not paid on time, coverage is canceled.<\/p>\n\n\n\n
Definitions<\/h3>\n\n\n\n
The definitions section explains specific insurance terminology and how it relates to your policy language. For example, you may carry liability coverage for a teen driver\u2019s vehicle but uninsured motorist coverage on your car. The definitions of the types of coverage and other insurance terms help ensure you have a thorough understanding of your policy language<\/a>.<\/p>\n\n\n\n The insuring agreement states what the insurer promises to pay. This agreement details the damages that are paid per specific coverages. The exclusions section outlines what your insurance will not cover.<\/p>\n\n\n\n Policy conditions are the requirements that you must comply with in order to have coverage. These requirements emphasize obligations, rules, and appropriate behaviors that you agree to abide by to maintain coverage. Common conditions can range from driving unimpaired, filing timely claims<\/a>, submitting proper accident documentation such as a police report when filing a claim, and more. Conditions for the insurer are also outlined, recognizing your rights.<\/p>\n\n\n\n The Coverages section explains the five common car insurance coverages available.<\/p>\n\n\n\n In the state of California, drivers must carry liability coverage to cover any damages caused on your behalf to another driver or their passengers. However, liability coverage does not cover your vehicle or injuries if you are at fault.<\/p>\n\n\n\n Liability Coverage Limits in California are:<\/p>\n\n\n\n If costs are greater than the liability coverage limits, you are required to pay the difference.<\/p>\n\n\n\n The coverage payment limits help you understand the total amounts that the insurer is willing to pay per bodily injury for each person, as well as property damages when settling a claim. For example, if your policy amounts are 25\/50\/25, this equates to:<\/p>\n\n\n\n If you are in an accident that is your fault, then the insurer will pay up to $25,000 in bodily injuries for the other driver and any injured passengers. However, if the combined coverage per accident exceeds the $50,000 coverage limit for bodily injuries, then you are responsible for the difference. If four passengers are injured, and they all have $25,000 in medical costs, then you will owe $50,000 out of pocket.<\/p>\n\n\n\n The insurer agrees to pay $25,000 for property damage per accident. If the property damages exceed the $25,000 coverage limit, you will also be responsible for the difference.<\/p>\n\n\n\n If you are in an accident and file a claim, you are responsible for paying an out-of-pocket deductible amount to offset the insurer\u2019s risk or loss. The higher the deductible amount, the lower your insurance premium will be. If you want a lower deductible, then your premium will be higher.<\/p>\n\n\n\n There are certain events or conditions in which the insurance company will not provide coverage. These conditions are excluded to help the insurer avoid loss. Many of these exclusions are common sense behaviors such as driving while intoxicated<\/a> or using your vehicle for criminal activity. Other exclusions can be related to acts of nature, catastrophic events, or using your car for commercial purposes. Be sure to read all the exclusions listed in your policy to know what will not be covered.<\/p>\n\n\n\n If you want a little extra coverage, then an auto insurance rider is known as an endorsement or change that will adjust your policy to meet your needs for more coverage. Riders are usually quoted per request<\/a> and will cover many circumstances such as accident forgiveness or extra family protection coverage that covers liability policies when the other driver is uninsured. We\u2019ll be happy to explain all our endorsements so that you can find the perfect fit for your needs.<\/p>\n\n\n\n Finding a trustworthy car insurance agency that will treat you fairly and meet your specific needs can be frustrating, expensive, and time-consuming. That\u2019s why Cost-U-Less<\/a> is here to clear up the confusion and help you better understand how our affordable coverages will meet all your needs.<\/p>\n\n\n\n Regardless of your driving history or budget, we\u2019re here to keep you driving! Give us a call at 800-390-4071<\/a> for a quick phone quote!<\/p>\n\n\n\nThe Insuring Agreement<\/h3>\n\n\n\n
Conditions<\/h3>\n\n\n\n
Coverages<\/h3>\n\n\n\n
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Coverage Payment Limits<\/h3>\n\n\n
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Deductibles<\/h3>\n\n\n\n
Exclusions<\/h3>\n\n\n\n
Insurance Endorsements or Riders<\/h3>\n\n\n\n
You Deserve Better Coverage<\/h2>\n\n\n\n