What to do after an auto accident

Posted on April 29, 2022May 12, 2022 by admin

Being involved in an accident is scary and stressful, but you’ll want to remain calm and focused to ensure that you, your loved ones, and any other involved parties are safe. If you are involved in an accident, remember to breathe and then follow these important steps. And remember, Alta Vista Insurance Agency in Vista, CA is here to help.

What to do after an auto accident

1. Focus on Safety

If the accident is minor and your vehicle is drivable, move it from traffic and to the side of the road or highway. Turn on your hazards and utilize cones or warning triangles if you have any to alert other vehicles to the accident. Once done, check for injuries on yourself before moving to any passengers in your vehicle and finally, other vehicles that are involved in the accident. If you have even the slightest doubt that someone is injured, err on the side of caution and call 9-1-1.

2. Information Gathering

It is always best to contact the police and ask that an officer be sent to the scene to produce a police report that is invaluable in the insurance claim process to determine who is at fault. If the police are not called or unavailable for a significant time, you should gather key information yourself to include the following for all parties involved:

Names and contact information
Vehicle descriptions
Driver’s license numbers
Insurance companies and policy numbers
Names and contact information for any eyewitnesses

3. File a Claim

You should contact your insurance company as soon as possible after an accident to start the claims process. Many insurance providers will let you start a claim from their mobile app to save time and hassle.

If you are shopping for car insurance, Alta Vista Insurance Agency in Vista, CA is here to help. Give us a call today to schedule a no-obligation consultation to learn more about our insurance products.

Required Auto Insurance in California

Posted on April 29, 2021April 29, 2021 by admin

In California, everyone must register their vehicle within 20 days of coming into the state. And it has to be insured at all times. This required insurance includes several different types of insurance coverage for motorists. However, all of the required coverage still leaves some gaps, and many vehicle owners choose to add to the minimum required insurance.

Liability Coverage

Part of the required coverage for vehicles is liability coverage. This includes a required minimum amount of coverage for bodily injury liability for one injured person in an accident that you caused. There is another higher amount required for all of the injured people in an accident that you caused. In addition, there is property damage liability coverage required for damage that you cause to another party’s vehicle or building during an accident. However, all three of these numbers are relatively low, and it’s a good idea to get more coverage than just the bare minimum for liability coverage.

Uninsured Motorist Coverage

If you were in an accident that a motorist causes without auto insurance, uninsured motorist coverage pays for the resulting bills up to its maximum. This coverage includes a required minimum for each person who is injured in this accident. A higher amount is required for everyone who has a bodily injury from an accident. This coverage also includes a small amount required for property damage when an uninsured motorist causes damage to your property.

Get Your Auto Insurance

No one wants to get a ticket and fees, so it’s important to keep auto insurance at all times. If you need auto insurance, contact us at Alta Vista Insurance Agency in Vista, CA.

Vista California San Diego Auto Insurance

Posted on September 4, 2017January 12, 2021 by admin

Get the most out of your California auto insurance policy with Alta Vista Insurance.

State laws require all drivers to obtain automobile insurance before registering their vehicle. In California, auto insurance laws are no different. This makes auto insurance one of the most commonly sought lines of insurance.

At Alta Vista Insurance, we understand that you may not want to spend a great deal of time purchasing a California auto insurance policy. You can get the ball rolling quick and easy by filling out the free quote form on this page. You also have the option of speaking with one of our knowledgeable agents for a more personalized experience.

We offer the following California car insurance options:

Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
Collision – insures the policyholder from loss during a collision with another vehicle or object.
Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

Other coverage can be added for specific vehicle needs like: antique automobiles, classic cars, high performance cars, and more.

Alta Vista Insurance wants to help you find a cost-effective, comprehensive California auto insurance policy. As an independent insurance broker, we can browse our list of insurance partners to determine a plan that best fits your lifestyle – this is a perk the chain insurance companies cannot offer you. When you work with Alta Vista Insurance, you are a click away from low cost California car insurance.

Call our office today to find out how you can save on your California auto insurance policy.

Personal Insurance Solutions

Posted on September 3, 2017January 12, 2021 by Seth Arruda

At this point of the process, we are ready to look at different insurance solutions that best meet your needs. Some insurance agents only work with one insurance company. They only have of one insurance product to offer you. The problem with that strategy is that if the only tool you have is a hammer, then all the problems you face look like nails.

Home

The cornerstone of home’s protection is a homeowners policy. Homeowners insurance policies typically cover fire. In California the standard homeowners insurance also covers wind and burst pipes. However, most homeowners insurance policies don’t offer protection for external flood, earthquake, landslide or water seepage. When insuring your property, it is very important to have a comprehensive needs based analysis conversation.

Auto

The typical car insurance policy covers your liability, which protects you from lawsuites. Personal injury insures you if someone else is injured by your vehicle. Property Damage protects other vehicles and others property if you cause damage with your vehicle. Comprehensive protects your vehicle from damage other than collision, for example theft and vandalism. Collision protects your auto if it is damaged in an accident.

Health

The Affordable Care Act, also known as Obamacare, has made a lot of changes to the health insurance landscape. Covered California is the new marketplace for people living in California, looking for coverage through Healthcare.gov. We are authorized certified insurance agents with Covered California. Whether you are looking for individual insurance, or you want to protect your entire family, we can craft a health insurance solution for todays environment that protects your household. For our clients over age 65 we also offer Medi-gap medicare supplement plans, and medicare advantage plans.

Life

Assessing the need for life insurance can be challenging. Do you need life insurance? Should you buy term or permanant insurance? Do you need to only have life insurance for a specific peroid of time, or do you have a need for life insurance for your entire life?

Carriers

We work with dozens of insurance companies because we are always looking for the best deal for you, our clients. We try to be more diverse in our product offering. By being independent, and not beholden to any one insurance company, we are able to make the best recommendation to you based on what best fits your needs, not the insurance company.