Auto Insurance

Why Buy Car Insurance?

California requires a form of liability insurance. It’s the law. What’s more, the right car insurance coverage can help protect you and your loved ones financially in the event of a car accident, theft, or other covered loss.

Why Choose Hero Insurance?

Hero provides drivers with affordable car insurance regardless of their insurance history. We understand that every driver is different. At Hero Insurance, we offer you choices , from affordable coverage to extra services options. We have great payment plans to save. We’re here to help you build the best car insurance policy for your needs. Talk with a friendly agent by calling 818-835-3595.

Car Insurance Coverage Options

LIABILITY: Liability insurance is one of the most basic type of car insurance. You might hear other drivers refer to this family of coverage as “liability only” or “minimum auto insurance.” It generally includes Bodily Injury Liability and Property Damage Liability coverages. If you cause an accident, these coverages help pay for the other driver’s medical expenses and property damage (but not yours).

COMP & COLLISION: Comprehensive and Collision are usually purchased together. Comprehensive (also referred to as “Other than Collision Coverage”) helps pay for damages to your car if it’s stolen or damaged in an event other than a collision, like a storm or contact with an animal. Collision will pay for your car to be repaired or replaced if it hits another object or is hit by a “hit and run” driver. There’s a good chance you’ll be required to carry Comprehensive and Collision coverage if your car is leased or financed.

MEDICAL PAYMENTS: Medical Payments is an optional coverage that will help pay for medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault.

UNINSURED MOTORIST: Uninsured Motorist Coverage, or UM Coverage, will help pay for your expenses if you’re injured in a car accident and the at-fault driver can’t be identified, doesn’t have liability insurance, or doesn’t have enough liability insurance to cover your claim. In some states, Uninsured Motorist Coverage applies only for bodily injuries, in others it is available for property damage as well. In certain states coverage for an “underinsured motorist” (where the at-fault driver has liability insurance but it is not sufficient to cover your damages) is sold as a separate coverage.

RENTAL REIMBURSEMENT: Rental cars aren’t always cheap. Rental Reimbursement will help reimburse you for the cost of a rental car if your vehicle can’t be driven after an auto accident or other covered loss.

TOWING: If your car breaks down or can’t be driven after an accident, Towing Coverage can help cover or reimburse you for emergency towing costs (up to the limit selected).

ACCIDENTAL DEATH: If you were to die as a result of a covered accident, optional Accidental Death Coverage would pay to your beneficiaries.

Look no further. Email or call us at:
marcst@heroinsurance.us
818-835-3595