Category: Auto Insurance

Are you prepared to navigate the bustling streets in the Bay Area, CA? Wai Cheng Insurance Inc. certainly is. Let’s delve into how our auto insurance serves as the perfect companion for your journey through the vibrant, diverse, and occasionally unpredictable Bay Area in California.

Why Choose WCI in the Bay?

• Locally Tailored Coverage: Distinct from ordinary insurance providers, we resonate with the unique essence of the Bay Area – from the iconic landmarks to the tech culture and even the notorious traffic. Our auto insurance is crafted like a personalized playlist, specifically tuned to the rhythm of the Bay. Whether it’s Lombard Street, the Golden Gate Bridge, or Silicon Valley, your ride is in capable hands.
• Protection Against the Unexpected: Bay Area roads are full of surprises, be it potholes, street events, or an unexpected parade of Segways. WCI’s auto insurance goes beyond addressing minor damages; it acts as your shield against the unforeseen. Your journey is akin to a mixtape of surprises, and we’re here to ensure you smoothly groove through it.
• Fluency in Bay Area Dynamics: We understand the Bay Area’s unique language. Our coverage isn’t a one-size-fits-all script; it’s a tailored narrative catering to the California dreamin’ lifestyle. Wai Cheng Insurance Inc.’s commitment to the Bay Area community ensures that our policies reflect the diversity found in the neighborhoods around here.

Ready to Hit the Road?

WCI Agency is your reliable co-pilot for the Bay Area’s diverse adventures. Whether you have inquiries or seek coverage that aligns with the California lifestyle, reach out to us. Your journey is as distinctive as a San Francisco sunset, and WCI Agency is here to support you. Oh, and feel free to keep that playlist on shuffle – because life’s more enjoyable that way!

As more and more motorists are making the switch to eco-friendly vehicles, Bay Area drivers find themselves wondering how these policies can reflect their current needs. This is where the guidance of Wai Cheng Insurance Inc.’s experienced insurance agents can benefit Bay Area, CA drivers. To learn more about how auto insurance policies can reward the eco-friendly motorist, please be sure to read on.

Helping The Environment

First and foremost, those who engage in eco-friendly driving practices and obtain an insurance policy that aligns with these needs are doing their part to help the environment. These policies provide drivers with the incentive to purchase greener vehicles as well. By taking these crucial steps to diminish their carbon footprint, Bay Area drivers are able to enjoy the peace of mind that comes with knowing that they have done all that they can.

Potential Tax Credits

An eco-friendly driver who takes the time to obtain the proper insurance policy is also opening themselves up to a wide range of potential tax credits. Our team will explain all of these advantages to a motorist before they sign on the dotted line, letting them know more about various California initiatives, such as the Clean Vehicle Rebate Program.

Similar Policies To a Conventional Vehicle

Some may be reticent to shop for an eco-friendly auto insurance policy, believing that the process will be much different from insuring a conventional vehicle. In reality, nothing could be further from the truth. While there are various advantages available, that does not mean that the policies are going to be vastly different from the ones you are accustomed to.

Consult With Us

At Wai Cheng Insurance Inc., our primary objective is a simple one: helping Bay Area, CA motorists find the policy that is best suited to their needs. If you have any additional questions about how auto insurance can benefit the eco-friendly driver, feel free to give us a call or stop by as soon as possible.

Fortunately, auto insurance covers many situations and circumstances ranging from personal injuries and damage to other people’s property, as well as damage to your own property. Although most states require drivers to carry auto liability insurance, there are other forms of auto insurance that cover a wide range of other circumstances and situations.

Our Bay Area, CA team at Wai Cheng Insurance Inc. is committed to helping California drivers get the insurance coverage they need.

Will my auto insurance cover the damage from the tree that fell on my car?

As a California driver, you are required by law to carry the state minimum auto liability insurance coverage. However, this coverage only covers damage or personal injuries you may cause to others. It doesn’t cover any damage to your vehicle, your injuries, or any non-moving incidents that may cause damage to your vehicle.

However, there are other forms of auto insurance that cover all of these situations. Any damage your vehicle may receive as a result of poor weather conditions, falling branches or limbs, or any number of non-moving situations or accidents is covered by comprehensive auto insurance. This is the only kind of auto insurance that will cover any incident that involves damage as a result of a natural disaster, vandalism, or theft.

Other Forms of Coverage

Comprehensive insurance coverage provides protection from accidents and damage caused by non-moving accidents and circumstances, meaning incidents that happen while your vehicle isn’t being driven. Collision coverage covers the repair or replacement of your vehicle if it is damaged in a car accident. 

Looking for Insurance in Bay Area, CA?

If you have more questions regarding auto insurance and what’s covered, call us at Wai Cheng Insurance Inc. We’d be happy to help you explore your options and answer all of your questions. 

When you buy auto insurance at Wai Cheng Insurance Inc. serving Bay Area, CA, you should know that you also need to review your auto insurance coverage when certain life events occur.

These include:

1. When You Move to a New Location

Your residence determines in part how much your insurance premium is. It also needs to be documented in your policy. Whenever you move, notify your insurance representative so they can make any necessary adjustments, even if you only move across town.

2. When Your Commute Changes

If you get a new job and your commute changes, let your insurance rep know. The change in the distance you travel for work may mean that your premium also changes.

3. When You Divorce or Marry

Your relationship status factors into how much you pay in premiums. A quick call or email to your insurance representative is all it takes, but be sure to let them know.

4. When Your Child Turns 18

If you have a child who’s on your auto insurance policy and has turned 18, be sure to let your auto insurance rep know so they can make any adjustments necessary to your policy.

5. When You Buy a Home

If you buy a home, you’ll likely need home- and auto insurance. Bundling these two products—and possibly with life insurance as well—can save you money on your insurance. Contact your representative to discuss your options in this situation.

6. When Your Credit Score Improves Significantly

Your credit score is a factor that is considered when your premium is calculated. If you have a significant increase in your credit score, you may want to talk to your insurance rep for a possible adjustment.

Get The Right Coverage For Your Needs

Contact Wai Cheng Insurance Inc. serving Bay Area, CA whenever any of these events occur in your life. We will make sure you have the right auto insurance policy for your needs. 

In California, auto insurance is required by law to own and operate a motor vehicle. Failure to carry insurance can have dire consequences, which include fines, driver’s license suspension, and jail time for repeat offenders.  Wai Cheng Insurance Inc. in Bay Area, CA offers you the following guide to navigate auto insurance policies. 

Auto Insurance Requirements

Insurance requirements vary by the state that the vehicle is registered in with California mandating that drivers have the following minimum liability coverage:

• $15,000 Injury Liability (per person)
• $30,000 Bodily Injury Liability (per accident)
• $5,000 Property Damage Liability

If this coverage does not sound adequate, that’s likely because it isn’t. In a vehicle accident that involves a third party, you’ll quickly exhaust your liability limits if you only carry the minimum which could leave you on the hook for thousands of dollars in fees and expenses. 

Although not required like liability, optional auto insurance coverage includes the following:

• Personal Injury Protection: Pays for the medical costs for you and any passengers in an accident, regardless of fault. 
• Uninsured/Underinsured Motorist: If you are in an accident with an uninsured driver, this coverage will help pay for any fees associated with repairing your vehicle or medical bills that cannot be recouped from the other party because of their lack of insurance.
• Collision: Pays for damage to your vehicle after an accident and includes a deductible which is the amount you pay first before the insurance company foots the remainder of the bill. If you are leasing or financing your vehicle, you’ll likely be required to have collision coverage.
• Comprehensive: If your vehicle is damaged by anything other than a collision including storms, theft, vandalism, or wildlife this coverage will pay for the repairs minus your deductible.

To learn more about your California auto insurance requirements, contact Wai Cheng Insurance Inc. in Bay Area, CA. We’ll help you find the right insurance for your needs at a price you can afford. 

At Wai Cheng Insurance Inc., we can help Bay Area, CA residents find insurance policies that make sense for their overall needs. For example, when finding a car insurance policy, it is critical to tweak it to include various protection types. These all vary based on your needs and the overall quality of your insurance policy. Just a few that may work well for you include:

• Liability Protection – Liability coverage will pay to repair any physical damage or personal injury issues your auto accident triggers, including destroyed or damaged vehicles.
• Health Coverage – If you or someone else gets hurt while you’re driving your car, this coverage type can pay the costs of their health treatment and even their lost wages while they recover.
• Repair Assistance – Damage to your vehicle will require an auto insurance policy that can protect you from heavy financial investments, including paying to replace expensive parts.
• Replacement Costs – If your car is damaged to the point where it makes no financial sense to repair it, you can get it replaced by your car insurance up to its current market value.
• Underinsured Driver Help – Many drivers ride with poor insurance policies that may not cover everything that happens in an accident, and this policy option can ensure that you get help.

Get a Policy Today

If you need a better car insurance policy or want to avoid unnecessary financial burdens, please contact us at Wai Cheng Insurance Inc. to learn more. We serve the Bay Area, CA region and will do what we can to help your auto insurance needs. Reach out to us today to learn more about each of these options and how you can find a policy that feels appropriate for your needs.

Owning a motor vehicle comes with a lot of responsibility. Not only do you need to lease or purchase it, but you need to maintain it. In addition, you need to have insurance on it. Some auto insurance is optional and some are mandated by the state. Your independent insurance agent will be able to inform you about the types and amount of insurance you are required to have. At Wai Cheng Insurance Inc. in Bay Area, CA, we have more than 20 years of experience that we share with our customers. We work for you and getting you the best insurance at the best price is our goal. 

When your auto loan is paid off, it feels like you are finally free. You can’t be free however from basic liability insurance which is mandated by the state of California. The mandated amount is15/30/5. This is a very basic amount of coverage. It will only be enough if you have a very old car and no assets. For everyone else, you need to seriously think about what coverage you need to have. 

With only a max of $30,000 for all bodily injuries in an accident, you could come up very short of what you need. You could be responsible to pay the excess out of pocket. $5,000 for property damage is even less coverage when you consider the average value of a motor vehicle. 

If you need your vehicle to maintain your everyday lifestyle you also need to make sure you have collision and comprehensive coverage which will repair your vehicle if it is damaged. Most people will find it a hardship to pay for repairs out of pocket. 

If you have questions about your auto insurance coverage Wai Cheng Insurance Inc. in Bay Area, CA has a knowledgeable team who can provide you with the answers you need. 

The Bay Area of California is one of the most beautiful in the country. Just a short drive takes you to Muir Woods or south to Monterey. Driving is scenic and like everywhere else in the county means dealing with lots of other drivers. More drivers mean more risk. Having a good auto insurance policy can give you the confidence you need to face heavy traffic. At Wai Cheng Insurance Inc. in Bay Area, CA, we have more than 20 years of experience, and we work with our clients to find the best policy to fit their needs. 

Whether your auto insurance covers you or your vehicle is an important question. Does anyone else ever drive your car? Would you turn down a friend who asked to borrow your car because you are not sure about the insurance liability? Chances are you wouldn’t. You on the other hand may drive a vehicle that is not your own, and where does that leave you? 

Typically, the auto insurance coverage is on the vehicle. This is good news for you if you have good coverage on your vehicle and are likely to let someone else drive it. Being in control is always good, and you know you won’t end up holding the bag. If however, you are driving someone’s car whose coverage you have doubts about, it may make you less likely to actually do it. Just be aware that if you do cause an accident in someone else’s car, you should still be responsible to pay the deductible amount they have on their policy. 

If you are in the market for auto insurance, at Wai Cheng Insurance Inc. in Bay Area, CA we have a tool on our website to get a quote, or you can give us a call.