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California Insurance Blog

Required Auto Insurance in California

California requires all drivers to have a way to pay for any accidents that they are liable for. This can be done in any of several ways, but the most common is for drivers to have auto insurance on their vehicles. If you need an auto insurance policy, call us at THINK Insurance & Financial Services in Pomona, CA  for more information or to check out an auto policy.

Minimum Liability Coverages

If you choose to get auto insurance to cover your liability in case of an accident, you’re not alone. While there are other ways, insurance is the easiest way to get this taken care of and to make sure that you are able to handle the costs of an accident that you are at fault for. There is a minimum amount of coverage that you have to have for injury liability. This is one amount for each person who is injured or killed as well as for the injury or death of more than one person in the accident. There is also a minimum amount required for any damage that you do to someone else’s property. 

Other Insurance

While it isn’t a mandatory type of insurance in California, there is also collision or comprehensive insurance. This covers your own injuries and property damage if you have an accident. However, having this type of coverage does not make you a legal driver. Everyone who proves their financial strength through insurance must have the liability types on their vehicles. 

Get Your Auto Insurance

If you need auto insurance on your vehicle, call us at THINK Insurance & Financial Services in Pomona, CA. Make an appointment to talk to a licensed agent who can tell you more about each part of your mandatory coverage. 

I am Young and Healthy, Do I Really Need Life Insurance?

I’m sure we have all had an internal battle with ourselves over this question. Life insurance, do I really need it? I’m young, I feel great, why spend the money? 

Perhaps you can think of it this way. We don’t wear seatbelts based on our health, age or life expectancy, we wear them for protection. Not to protect from what’s already ailing us, but from what may. Life insurance falls into the same category, with perhaps a significantly larger fallout for our loved ones if we choose not to have it.

Having life insurance protects you from leaving a potentially crushing financial burden for your family.

No matter your age, or health condition, nothing in life is promised to us. Imagining the worst is never easy, but preparing for it is always necessary. The cost of a funeral and all other expenses you may owe or accrue during your life will be left in the laps of the people who care for you the most. None of us would intentionally do that. So why take the risk? 

Having life insurance is peace of mind. It is that extra hour of sleep we lose at night worrying about what might happen. There is a weight on our shoulders, we all feel it. It is the uncertainty of life, and there is not much we can do about it. The one thing within our control is whether or not we prepare ourselves and those we love for what happens when we can no longer be with them. 

All you have to do is pick up the phone and speak to a trained professional in Pomona, CA. The friendly and experienced insurance agents at THINK Insurance & Financial Services are waiting for your call. Don’t let yourself lose another hour of sleep. 

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