| Need Help? CALL our trained professionals at (818)333-0515 |
CALICO Insurance
 | |  | |  | |  | |  | |  | |  |
This coverage applies to injuries that you, the
designated driver or policyholder, cause to
someone else. You and family members listed
on the policy are also covered when driving
someone else’s car with their permission. It’s
very important to have enough liability
insurance, because if you are involved in a
serious accident, you may be sued for a large
sum of money. Definitely consider buying more
than the state-required minimum to protect
assets such as your home and savings.
3. Property Damage Liability
This coverage pays for damage you (or
someone driving the car with your permission)
may cause to someone else's property. Usually,
this means damage to someone else’s car, but
it also includes damage to lamp posts,
telephone poles, fences, buildings or other
structures your car hit.
4. Collision
This coverage pays for damage to your car
resulting from a collision with another car,
object or as a result of flipping over. It also
covers damage caused by potholes. Collision
coverage is generally sold with a deductible of
$250 to $1,000—the higher your deductible,
the lower your premium. Even if you are at fault
for the accident, your collision coverage will
reimburse you for the costs of repairing your
car, minus the deductible. If you're not at fault,
your insurance company may try to recover the
amount they paid you from the other driver’s
insurance company. If they are successful,
you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to
theft or damage caused by something other
than a collision with another car or object, such
as fire, falling objects, missiles, explosion,
earthquake, windstorm, hail, flood, vandalism,
riot, or contact with animals such as birds or
deer. Comprehensive insurance is usually sold
with a $100 to $1,000 deductible, though you
may want a higher deductible as a way of
lowering your premium Comprehensive
insurance will also reimburse you if your
windshield is cracked or shattered. Some
companies offer glass coverage with or without
a deductible.
6. Uninsured and Underinsured
Motorist Coverage
driver.
driver.
coverage will also protect you if you are hit
coverage will also protect you if you are hit as a
pedestrian.as a pedestrian.
designated driver or policyholder, cause to
someone else. You and family members listed
on the policy are also covered when driving
someone else’s car with their permission. It’s
very important to have enough liability
insurance, because if you are involved in a
serious accident, you may be sued for a large
sum of money. Definitely consider buying more
than the state-required minimum to protect
assets such as your home and savings.
3. Property Damage Liability
This coverage pays for damage you (or
someone driving the car with your permission)
may cause to someone else's property. Usually,
this means damage to someone else’s car, but
it also includes damage to lamp posts,
telephone poles, fences, buildings or other
structures your car hit.
4. Collision
This coverage pays for damage to your car
resulting from a collision with another car,
object or as a result of flipping over. It also
covers damage caused by potholes. Collision
coverage is generally sold with a deductible of
$250 to $1,000—the higher your deductible,
the lower your premium. Even if you are at fault
for the accident, your collision coverage will
reimburse you for the costs of repairing your
car, minus the deductible. If you're not at fault,
your insurance company may try to recover the
amount they paid you from the other driver’s
insurance company. If they are successful,
you'll also be reimbursed for the deductible.
5. Comprehensive
This coverage reimburses you for loss due to
theft or damage caused by something other
than a collision with another car or object, such
as fire, falling objects, missiles, explosion,
earthquake, windstorm, hail, flood, vandalism,
riot, or contact with animals such as birds or
deer. Comprehensive insurance is usually sold
with a $100 to $1,000 deductible, though you
may want a higher deductible as a way of
lowering your premium Comprehensive
insurance will also reimburse you if your
windshield is cracked or shattered. Some
companies offer glass coverage with or without
a deductible.
6. Uninsured and Underinsured
Motorist Coverage
driver.
driver.
coverage will also protect you if you are hit
coverage will also protect you if you are hit as a
pedestrian.as a pedestrian.