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If we do not have an answer to your question here, please do not hesitate to contact us and we will be more than happy to assist!

Frequently Asked Questions: Accidents

  1. Q: What should I do immediately after an accident?

    • A: Ensure safety first. Check for injuries, move to a safe location if possible, and call emergency services.

  2. Q: What information should I collect at the accident scene?

    • A: Exchange names, contact details, insurance information, and take note of the license plate numbers. Document the accident scene with photos if feasible.

  3. Q: Is it necessary to involve the police?

    • A: Yes, it's advisable to involve the police. They can create an official report, which may be crucial for insurance claims.

  4. Q: Should I admit fault at the scene?

    • A: Avoid admitting fault. Stick to the facts when discussing the accident with others, including the police and insurance representatives.

  5. Q: When should I notify my insurance company?

    • A: Report the accident to your insurance company as soon as possible, even if you are not at fault. Provide accurate details and any available documentation.

  6. Q: How do I get a copy of the police report?

    • A: Contact the local law enforcement agency that responded to the accident. They will guide you in obtaining a copy of the report.

  7. Q: What if the other party is uninsured or underinsured?

    • A: Your insurance may cover uninsured/underinsured motorists. Report the incident to your insurer, and they will guide you through the process.

  8. Q: Will my rates increase after an accident?

    • A: It depends on various factors. Contact your insurance provider for details on how the accident may impact your rates.

  9. Q: Should I seek medical attention even if I feel fine?

    • A: Yes, it's recommended. Some injuries may not be immediately apparent, and seeking medical attention ensures your well-being.

  10. Q: What if the other party disputes liability?

    • A: Provide all evidence and documentation to your insurance company. They will handle discussions with the other party's insurer.

Frequently Asked Questions: General

  1. Q: Why do I need insurance?

    • A: Insurance provides financial protection against unexpected events, helping you manage risks and recover from potential losses.

  2. Q: What types of insurance are essential for individuals?

    • A: Essential insurance types include health, auto, home, and life insurance. The specific needs vary, so it's crucial to assess your individual circumstances.

  3. Q: How does the insurance premium work?

    • A: The premium is the amount you pay for insurance coverage. It's typically paid on a regular basis (monthly, annually) and is based on factors such as risk, coverage amount, and personal details.

  4. Q: What factors influence my insurance premium?

    • A: Factors include your age, location, type of coverage, claims history, and the insurance company's policies. Driving records, health conditions, and lifestyle may also play a role.

  5. Q: Can I bundle different insurance policies to save money?

    • A: Yes, bundling (combining multiple policies with the same insurer) often results in discounts and cost savings.

  6. Q: How does the deductible work?

    • A: The deductible is the amount you pay out of pocket before insurance coverage kicks in. Higher deductibles usually result in lower premiums.

  7. Q: What is the difference between comprehensive and collision coverage in auto insurance?

    • A: Collision coverage pays for damages to your car in accidents, while comprehensive coverage covers non-collision events like theft, vandalism, or natural disasters.

  8. Q: Is life insurance necessary if I don't have dependents?

    • A: While life insurance is often associated with providing for dependents, it can also cover funeral expenses and outstanding debts. Consider your individual needs.

  9. Q: How does health insurance coverage work?

    • A: Health insurance covers medical expenses. It may include doctor visits, hospital stays, prescriptions, and preventive care. Different plans offer various levels of coverage.

  10. Q: What's the difference between term and whole life insurance?

    • A: Term life insurance provides coverage for a specific term, while whole life insurance lasts for the policyholder's entire life and includes a cash value component.

  11. Q: How can I lower my insurance premiums?

    • A: Consider bundling policies, maintaining a good credit score, raising deductibles, and exploring discounts. Safe driving and a healthy lifestyle may also impact premiums.

  12. Q: What should I do if I need to file a claim?

    • A: Contact your insurance provider immediately. Provide accurate information, documentation, and follow their instructions for a smooth claims process.


Call: 661-273-7000 

Text: 661-591-4878

Fax: 661-273-5900



Monday - Friday: 9 am - 6 pm

Saturday: 10 am - 4 pm 

(Open at Palmdale Location only)

Sunday: Closed

*Closed major holidays*

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