
Whether it’s made mandatory by law or a safety precaution for accidents, there are several reasons why you need to have automobile insurance. If you’re not convinced, these five valid points may make you think otherwise:
Most states will have mandatory guidelines regarding the auto liability coverage that drivers are required to buy. Along with it, states set a minimum limit for the coverage. This amount refers to how much the insurance company must cover in a claim.
You must take note of such requirements when getting your automobile insurance. Although, you may also want to increase your coverage limits beyond your state’s minimum requirements. This is just an extra precaution so that you don’t end up paying out of pocket if, for instance, you cause a wreck that injures another driver and their medical bills exceed your coverage limits. Some states may also require you to have additional coverage to your insurance policy, such as uninsured motorist coverage or personal injury protection.
If you’re financing or leasing your vehicle, your lender may require you to purchase collision coverage and comprehensive coverage. Since the lender or leasing agent is the lienholder of your vehicle while you’re making payments, these two coverages protect them if the car gets damaged or if you enter financial troubles. The collision or comprehensive coverage may help pay for the repair or replacement of the vehicle if it’s damaged in a covered loss.
If you have gap insurance in your auto insurance policy, this coverage will also help pay off your car loan if the vehicle is totaled or stolen and you owe more than its depreciated value. Gap insurance is typically bundled together with collision and comprehensive coverage but is often an optional add-on.
Even if you own your vehicle, you may want to have collision coverage and comprehensive coverage included in a car insurance policy. While mandatory liability coverage helps pay for the damage to another driver’s vehicle, it’s important to have coverage for your own vehicle.
Collision coverage settles your worries when a car gets damaged in a collision accident. But what if your car is damaged in a hailstorm? Or a flood? Comprehensive coverage is the one that can help pay for repairs or replacement of your car. Without comprehensive or collision coverage, you would have to use your own money to get your car fixed and we all know how costly that can get.
If you get in a car accident while other people are riding with you, you may be held responsible for everyone’s medical expenses. Automobile insurance can help cover their expenses as well if they get injured. The coverage may help pay for hospital visits, doctor’s bills, and surgeries.
You never know what might happen on the road so you must protect yourself as much as you can. Automobile insurance has different coverages that will help mitigate risks a driver may encounter. You will be able to handle the aftermath of both unfortunate events and accidents. Liability coverage, for example, helps pay for medical expenses for yourself and others involved. This, in turn, can make you avoid major legal implications as well. Uninsured motorist coverage is another type of coverage that also helps pay for medical bills if you’re hit by a driver without insurance.
Whatever your main reason will be for getting automobile insurance, the policy will surely benefit you in different ways. Having the proper car insurance coverage in place can go beyond fulfilling a legal requirement. It also protects not only your vehicle, but also you, your wallet, and other people. If you need a local agent to help you find the right coverage for you, we at CIII Insurance Services have agents ready and willing to assist.
CIII Insurance Services provides a broad range of Automobile, Commercial, Employee Benefits, and Management Liability products. We have aligned ourselves with some of the finest carriers to deliver these products to you.
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1025 Oak Street
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Clayton, CA 94517
P: 510.413.0270
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Cecil is an accomplished Senior Executive with 15 years of success across insurance risk management and business development. He has leveraged his extensive experience developing and implementing innovative sales strategies for industry-leading organizations. He is a valuable asset for startup or established companies looking to drive long-term, sustainable growth. His broad areas of expertise include contract negotiation, insurance regulations, mergers and acquisitions, program development, marketing, performance management, business development, sales management, and strategic planning.
Throughout his executive career, Cecil has held leadership positions at companies including Pfizer Pharmaceuticals, Liberty Mutual Insurance, and Hub International, where he served as Vice President- Northern California Sales Manager. He has been responsible for establishing and building long term client relationships, recruiting top talent, and driving initiatives to increase HUB’s presence in the Northern California region, including organizing regular meetings with key executives and salesmen to develop strategic plans that accomplish goals for the territory. This fast paced position had given Cecil an opportunity to showcase his innovations multitude of client accounts while also promoting the HUB brand.
Cecil is responsible for identifying and evaluating investment opportunities, deal execution, portfolio monitoring and business development efforts for the firm. He received his B.S. from Louisiana State University where he focused on agricultural economics, communications, and women and gender studies.
Cecil is an accomplished Senior Executive with 15 years of success across insurance risk management and business development. He has leveraged his extensive experience developing and implementing innovative sales strategies for industry-leading organizations. He is a valuable asset for startup or established companies looking to drive long-term, sustainable growth. His broad areas of expertise include contract negotiation, insurance regulations, mergers and acquisitions, program development, marketing, performance management, business development, sales management, and strategic planning.
Throughout his executive career, Cecil has held leadership positions at companies including Pfizer Pharmaceuticals, Liberty Mutual Insurance, and Hub International, where he served as Vice President- Northern California Sales Manager. He has been responsible for establishing and building long term client relationships, recruiting top talent, and driving initiatives to increase HUB’s presence in the Northern California region, including organizing regular meetings with key executives and salesmen to develop strategic plans that accomplish goals for the territory. This fast paced position had given Cecil an opportunity to showcase his innovations multitude of client accounts while also promoting the HUB brand.
Cecil is responsible for identifying and evaluating investment opportunities, deal execution, portfolio monitoring and business development efforts for the firm. He received his B.S. from Louisiana State University where he focused on agricultural economics, communications, and women and gender studies.
Cecil is an accomplished Senior Executive with 15 years of success across insurance risk management and business development. He has leveraged his extensive experience developing and implementing innovative sales strategies for industry-leading organizations. He is a valuable asset for startup or established companies looking to drive long-term, sustainable growth. His broad areas of expertise include contract negotiation, insurance regulations, mergers and acquisitions, program development, marketing, performance management, business development, sales management, and strategic planning.
Throughout his executive career, Cecil has held leadership positions at companies including Pfizer Pharmaceuticals, Liberty Mutual Insurance, and Hub International, where he served as Vice President- Northern California Sales Manager. He has been responsible for establishing and building long term client relationships, recruiting top talent, and driving initiatives to increase HUB’s presence in the Northern California region, including organizing regular meetings with key executives and salesmen to develop strategic plans that accomplish goals for the territory. This fast paced position had given Cecil an opportunity to showcase his innovations multitude of client accounts while also promoting the HUB brand.
Cecil is responsible for identifying and evaluating investment opportunities, deal execution, portfolio monitoring and business development efforts for the firm. He received his B.S. from Louisiana State University where he focused on agricultural economics, communications, and women and gender studies.
Cecil is an accomplished Senior Executive with 15 years of success across insurance risk management and business development. He has leveraged his extensive experience developing and implementing innovative sales strategies for industry-leading organizations. He is a valuable asset for startup or established companies looking to drive long-term, sustainable growth. His broad areas of expertise include contract negotiation, insurance regulations, mergers and acquisitions, program development, marketing, performance management, business development, sales management, and strategic planning.
Throughout his executive career, Cecil has held leadership positions at companies including Pfizer Pharmaceuticals, Liberty Mutual Insurance, and Hub International, where he served as Vice President- Northern California Sales Manager. He has been responsible for establishing and building long term client relationships, recruiting top talent, and driving initiatives to increase HUB’s presence in the Northern California region, including organizing regular meetings with key executives and salesmen to develop strategic plans that accomplish goals for the territory. This fast paced position had given Cecil an opportunity to showcase his innovations multitude of client accounts while also promoting the HUB brand.
Cecil is responsible for identifying and evaluating investment opportunities, deal execution, portfolio monitoring and business development efforts for the firm. He received his B.S. from Louisiana State University where he focused on agricultural economics, communications, and women and gender studies.
Cecil is an accomplished Senior Executive with 15 years of success across insurance risk management and business development. He has leveraged his extensive experience developing and implementing innovative sales strategies for industry-leading organizations. He is a valuable asset for startup or established companies looking to drive long-term, sustainable growth. His broad areas of expertise include contract negotiation, insurance regulations, mergers and acquisitions, program development, marketing, performance management, business development, sales management, and strategic planning.
Throughout his executive career, Cecil has held leadership positions at companies including Pfizer Pharmaceuticals, Liberty Mutual Insurance, and Hub International, where he served as Vice President- Northern California Sales Manager. He has been responsible for establishing and building long term client relationships, recruiting top talent, and driving initiatives to increase HUB’s presence in the Northern California region, including organizing regular meetings with key executives and salesmen to develop strategic plans that accomplish goals for the territory. This fast paced position had given Cecil an opportunity to showcase his innovations multitude of client accounts while also promoting the HUB brand.
Cecil is responsible for identifying and evaluating investment opportunities, deal execution, portfolio monitoring and business development efforts for the firm. He received his B.S. from Louisiana State University where he focused on agricultural economics, communications, and women and gender studies.