CSI Blogs about Personal Insurance

Car Insurance Can Be Funny!

photo credit: mr_double_f

Here are three crazy stories:

• A driver claimed they were leaving for work one morning and drove into a school bus parked at the end of their drive. A claim was filed against the bus driver, since the bus was five minutes earlier than they had expected and therefore obviously at fault. (as told by English comedian Jasper Carrott)

• A woman meeting her husband, a Navy crewman who was coming into port that day, parked at the end of the slip where the submarine was due in to berth. There was an inexperienced ensign at the helm who overshot his landing and hit the end of the slip, breaking a section away and sending the car plunging into the water. Needless to say, those damages were on Uncle Sam! (as told at www.businessballs.com)

• A driver parked by the side of the road was relocated to Oz when a home fell off the back of the truck that was relocating it. Eventually the insurance company paid the claim, but only after confirming with the moving company that the car had, in fact, been totaled by a house (as told by English Comedian Jasper Carrott)

Here at Costello and Son, we offer the following options for your Car Insurance:

• Bodily Injury
• Medical or Personal Injury Protection
• Property Damage
• Collision
• Comprehensive
• Uninsured Motorist Coverage

Deciding exactly what type of coverage you need may be confusing, that’s why our insurance specialists are dedicated to helping you find the best auto insurance in California, as well as make you, and your unique needs, our top priority!

Please visit costelloandsons.com for more information, or call us at 415-257-2100!

What is Umbrella Insurance? Should I have it?

photo credit: Phillip Pessar 

Umbrella Insurance is basically added liability protection that goes beyond the limits of homeowners, auto, and watercraft insurance policies. By purchasing an umbrella insurance policy one can add millions in liability protection.

Exemplary Situation:

Suppose that you are driving home, not paying attention to the road, and hit someone walking. It was totally an accident, but you were not paying attention, and now this person has serious injuries. If the person sues, the standard liability on your auto policy will cover many of the costs involved. If the costs go beyond what your standard liability covers, they can go after your assets. Umbrella insurance adds a layer of protection between the costs accrued by the accident and your personal assets.

How Do I Get Umbrella Liability?

Specific and comprehensive coverage can be underwritten along with your Homeowners’ policy. We can secure custom policy language and specialized limits to insure your assets are well protected.

As part of our Homeowners application process, we will request detailed information to provide appropriate coverage limits. You can contact Moira McNeill at 415.257.2125 or email her at mmcneill@costelloandsons.com to find out more.