Category: Auto Insurance

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.