Benefits of An Auto Insurance Policy

Are you in a car rental business in California? Then you definitely need to have a proper auto insurance plan to cope with some of the potential risks. You should search for an insurance agencies for auto insurance quotes in California and choose the most feasible one. Taking a proper auto insurance policy has got a lot of benefits. 

So, once you take an auto insurance policy it gives protection against many risks. Generally the types of liability covered include bodily injury liability, property damage liability, medical payments coverage, uninsured or under insured motorist coverage, comprehensive coverage, and collision coverage.

You will be getting a representative from your insurance company. The particular person will be handling your account and will take care of the payments and responsibilities in case of a car accident. Your claims adjuster will do the necessary investigations with regards to the accident. They will determine the person who is at fault and the amount of compensation that needs to be given.

Imagine a situation where one of your customers who has hired your car goes and hits someone. So, just think of those medical bills and that compensation that you might have to pay. An auto insurance policy will protect you from all these. In order to select the best insurance company you should compare auto insurance quotes in California for choosing the best service provider.

Auto insurance gives peace of mind. This will keep you safe from any kind of financial and legal problems that are mostly found in an accident case.

When you go for medical payments coverage it will take care of all the medical expenses even if the insured person is injured in somebody else’s vehicle. The insurance company will also pay for the towing and maintenance of the damaged car. So, all the bills for the repair of the vehicle will be paid by your insurance company.

Auto insurance policies also allow premium discounts if you are having more than one policy with the same company. Some of the policies also give a facility or provision where you can also extend the coverage to people who are driving your vehicle with your consent.

You can easily find insurance companies providing auto insurance quotes in California. Insurance firms like Bozzuto provide business and personal insurance policies. You can contact us if you are looking for a comprehensive insurance policy.

Process of Worker’s Compensation Claim

Worker compensation is a mandatory thing for organizations having certain specified number of employees. This statute is passed for the benefit of employees working in industrial units and other type of enterprises. It protects them in case of injuries and they get the required compensation for it. So, you are liable to give compensation to your employees.

Search for insurance agencies that provide worker compensation insurance in California in order to cope with such situations. In case of an accident in your premises where some of your employees get injured you will have to adhere to the following process.

1.As and when the accident occurs it has to be seen if first-aid is enough. And in case the situation is beyond first-aid then you need to create a report of inquiry within 7 days of the incident. A copy each should go to the labor commission, your insurance company and one to the injured employee.

2.Then the injured worker will be firstly examined by the physician designated by you. After checkup done by the designated doctor the injured worker can choose a doctor of his/her choice for another test. The doctor will produce a report of the initial checkup of the injured employee to the Labor commission and a copy of that to the employee.

3.Your insurance company will then open a claim for benefits after receiving the reports from the employer or the doctor. The agency will be determining the total compensability of the injury or illness. It will be done within 21 days of having received the claim.

4.If the compensation is valid and if the doctor determines that the injured person will lose work time, the rate of weekly pay for the worker is calculated. You insurance agency dealing in worker compensation insurance in California will be paying all the medical bills. Hence the injured employee need not pay anything for the medical care received.

5.And in case your insurance agency denies the claim then a letter is sent to the employee and the labor commission. The injured worker can then apply for a hearing at the Labor commission. The commission will then review the case and give a final verdict.

The above process is usually followed under the ‘worker’s compensation statute’. We at Bozzuto specialize in personal, auto, small business insurance as well as worker compensation insurance in California. Contact us today for an insurance policy.