Auto Insurance in Bakersfield, CA
Auto insurance is an agreement between you and an insurer to provide financial coverage in case of accidents or other damage to your vehicle. It may help cover auto repair, medical and legal expenses so you don’t have to pay for them on your own.
What Does Auto Insurance Cover?
Your agent may recommend coverage to address the following risks:
- Damage from collisions
- Theft of your vehicle
- Liability for third-party bodily injury and property damage
- Damage from fire, vandalism and severe weather
- Damage caused by at-fault drivers without insurance
You can further enhance your policy by increasing coverage limits and adding optional riders or endorsements. Depending on your needs and driving habits, you may benefit from:
- Roadside assistance coverage
- New car replacement coverage
- Gap coverage
- Rideshare coverage
When Can I File a Car Insurance Claim?
Here are common situations where filing an auto insurance claim makes sense:
- You’re in an accident and there’s damage to your vehicle or someone else’s
- Your car is stolen or vandalized
- You hit something, like a tree or fence, and costly repairs are needed
- A storm causes damage, such as flooding or hail dents
Before you file, check your deductible. If the repair cost is lower than that amount, it may not be worth submitting a claim. Also, remember that filing too often can lead to higher premiums later.
To start the claim process, contact your insurance provider as soon as possible. Make sure you have your policy number, photos or videos of the damage and a police report if one was submitted. The claims adjuster will walk you through the next steps, including inspections and repair options.
Secure a Policy Today
Reach out to All In One Insurance Services for personalized auto insurance recommendations. Ask our agents about potential discounts for safe driving, bundling policies and multi-vehicle coverage. Contact us today to get a quote.