Auto insurance FAQs

Auto insurance is something you may not think about a lot. It is just there to protect you when you need it. Whether you have full coverage or basic coverage, it needs to be fitted to your lifestyle and the vehicle you drive. At Miao Insurance Services, in Pleasanton, CA, we are independent insurance agents who take their responsibility to provide their customers with reliable and affordable insurance products seriously. 

What coverage does comprehensive insurance provide?

Comprehensive coverage is called non-collision insurance. It covers damage that is not the result of a collision with another vehicle. It will cover your vehicle for theft and vandalism. It also protects against a variety of weather-related damage such as floods, wind, and ice. It is what protects your vehicle from large animals like deer who can cause massive damage. 

What is gap insurance?

Gap insurance is something anyone with a car loan and a relatively new vehicle should consider. If your vehicle is a total loss, it will make sure you don’t end up owing more than you collect from the insurance company. 

What auto insurance do I need to have in California?

In California, the required auto insurance is liability coverage of 15/30/5. This insurance provides $15,000 for the first injured person in an accident, with a total for all injured people of $30,000. The $5,000 is for property damage. As you can see, this is a really basic requirement and most people would do well to consider getting better coverage, 

How much of a deductible should I have? 

Only you can answer that. How much are you willing to pay if you need to get your car repaired? $500 is a pretty routine amount. 

Contact Miao Insurance Services in Pleasanton, CA for all your insurance needs. Let us do the work to find the personalized coverage you deserve.