Understanding Auto Insurance Coverage

If you’re driving in Chandler, AZ, knowing about your auto insurance options is important. Each type of policy offers varying levels of protection. San Marcos Insurance Group can help you understand our most popular coverage choices.

  • Liability Coverage: In most states, having this coverage is essential and required by law. It will pay for any damages or injuries you may cause to other people in an accident. Opting for higher coverage limits than the minimum requirements can offer extra protection.
  • Collision and Comprehensive Coverage: Collision coverage will pay for any damage to your car in an accident. Comprehensive coverage pays for damage from theft, vandalism, or bad weather. You can buy both of these coverages separately or together.
  • Uninsured/Underinsured Motorist Coverage: This coverage will protect you if you get into an accident and the other driver either doesn’t have enough insurance to cover your losses or doesn’t have any insurance. Furthermore, it will also provide coverage if the other driver leaves the accident scene.
  • Medical Payments Coverage: Regardless of who caused the accident, this coverage will pay for medical expenses, hospital visits, and funeral costs.
  • Personal Injury Protection (PIP): Regardless of who caused the accident, PIP will cover medical expenses and lost wages. Additionally, it covers expenses related to rehabilitation and other accident-related services.

Understanding the different types of auto insurance coverage available can help you make an informed decision when shopping for car insurance. You can tailor your policy to meet your specific needs and budget. Don’t hesitate to contact San Marcos Insurance Group. We’ll find the best policy that suits your requirements in Chandler AZ. Remember, investing in the right auto insurance coverage can give you peace of mind and protect your finances and assets in an accident.

Tips for Choosing the Right Home Insurance Provider

You want to protect your home, and having the right insurance policy can help you. But home insurance has a lot to consider, including which insurance provider you want to work with. If you’re in the Chandler, AZ area, San Marcos Insurance Group can give you some options and talk you through the choices you’ll need to make. Then you can work with a trusted agent you feel comfortable with and have an insurer who will honor their policy and make things right if you need to make a claim.

Finding the Right Insurance Provider

It’s always good to feel confident in the policy you have from your insurance provider, and when you work with us, you’ll have several providers to choose from. You won’t be limited to just one, making finding the right fit easier.

Look for an insurance provider who has good reviews, answers your questions, and talks to you about options. You want to have the very best policy for your particular needs, and that’s hard to do when you’re guessing what you need or what the policy offers. By working with us, you won’t have to do any of that. We take the guesswork out of that, so you get what you need.

Contact us today if you’re in the Chandler, AZ area. At San Marcos Insurance Group, we know how important it is for you to have a home insurance provider who cares. We’ll answer all your questions and help you choose an insurer who will meet your needs for protecting your house. Then you can enjoy your time there even more, knowing you have quality protection and great peace of mind for the future.

The Benefits of Health Insurance

No one ever plans to get sick, but when it happens, you need to be financially prepared to cater for medical expenses. And with the rising costs of living, something as basic as healthcare can be very costly. That’s why you need to have health insurance with San Marcos Insurance Group to protect you and your family from the unknown. Plus, most people in Chandler, AZ are required to have health insurance or risk paying a penalty. Some of the benefits of having health insurance include:

Preventive Care Services

Several people have to deal with deadly diseases like cancer, diabetes, and obesity due to lack of early detection. Health insurance allows you one or more medical check-ups a year. This means that you have the chance to detect an illness early enough and treat it before it gets serious.

It Gives you Peace of Mind

No one wishes to get injured or ill, but it happens anyway and without warning. This means it could happen when you don’t have the financial ability to get proper medical care. With proper coverage, you don’t have to worry about that because your health insurance coverage will come in handy.

Offers a Wide Coverage

Health insurance offers several categories of health care services. They include inpatients care, doctor’s services, prescription drugs, pregnancy, maternity services, mental health services, pre-natal and post-natal services, dental services, surgeries, the list is endless.

Access to Certain Healthcare Services

In the event of an emergency, one second is all that is needed to save a life. Having health insurance may give you access to ambulance services and emergency room services.

San Marcos Insurance Group is here to help you find an affordable health insurance policy that suits your needs. We service the area of Chandler, AZ, and its environs. Contact us today for more information.

Commercial Insurance for Outside Groups and Companies in Chandler, AZ

If ever there is an instance your company allows for use of your property by another organization, company or group, it is necessary to have a quality insurance policy in place for this particular situation. It is necessary that said individuals receive at least minimal coverage upon physical injury or other issues occurring. You can obtain this through an agency such as San Marcos Insurance Group, which serves the greater Chandler, AZ area.

Read on to learn more about the insurance policy you will need when you have outside individuals using your commercial property.

The Basics of the Commercial General Liability Policy

Commercial General Liability policy (also known as CGL) keeps your business protected in terms of instances in which you would be held liable for negligent acts that are not of a professional nature. Though this commonly is thought of to protect the company from a customer suing after bumping into, tripping, or otherwise becoming harmed on the property, it also covers outside entities who become injured in some way.

In order to ensure that this is active and coverage will be in place, it may be necessary for a representative of the group to read a form explaining what will and will not be covered. This serves a two-fold purpose of lessening the burden on the injured party, and protecting your assets.  

How to Purchase a Commercial General Liability Policy

This may be purchased as a stand-alone policy. Also, you can purchase it as part of a Commercial Package or Business Owners Policy. A qualified agent in Chandler, AZ can explain the coverage you need for your business activities. Reach out to San Marcos Insurance Group today to get started.

 

Weathering the Damages

Believe it or not, the climate you live in can make a significant difference in how long you can expect your car to stay in like-new condition. The salty sea air, for instance, can really wreak havoc on a finish. If you live in Arizona, you have your own concerns to consider, such as…

  • Sunshine

The harsh sun of Chandler, AZ can be a bit much at times, and it can cause your car’s finish to fade and peel long before its time. The best way to prevent this is with regular waxing. Lighter colors also tend to fade more slowly. And of course, you should use a reflector in your windshield in order to keep your steering wheel from melting right onto your seat.

  • Sand

Those fine grains of sand when you drive on the desert highways, they can do a number on your car. The most apparent damage will be done to the finish as it sort of sands away at the coat. Again, waxing can help here, as can regular washing to get rid of stand still clinging to the car.

  • Dryness

That desert dryness can do a lot of damage to your car. The hot pavement can fry the rubber like an egg, leading to a blowout. Your best bet here is to store your car in a garage or under cover when possible.

If you don’t take care of your car, you could be looking at higher premiums on your insurance when your provider sees that you’re constantly going in for repairs. Keep your car in good condition, drive safe, and contact us for some free quotes. Contact San Marcos Insurance Group today for more information. 

 

How Home Insurance Fraud Affects You

Insurance fraud is a real issue when it comes to home insurance in Chandler, AZ. Fraudulent home insurance claims can be phony claims and fake property damage, to name a few. If you are considering exaggerating your insurance claim, don’t. If you know someone who you suspect committed insurance fraud, then you should report them because it affects you as well.

Fraud Drives Up Premiums

Fraudulent insurance claims are often paid by insurance companies. If you couple that with the fact that insurance claims are increasing, then it’s easy to see how fraudulent claims can increase the rate you pay for your home insurance each month. As a whole, everyone with insurance covers insurance companies’ costs. With more claims, the cost of covering your home can increase over time.

Fraudulent Insurance Claims Affect Risk Factors

Insurance companies consider a lot of risk factors when you apply for home insurance in Chandler, AZ. All those factors boil down to estimating the odds of paying out a claim. If there is a steep uptick in the number of claims in an area, then it could affect the rate you pay for insurance. You see, if there is an increased chance of paying out a claim, then the cost of protecting your property increases too.

The Cost of Fraud

The NCIB estimates that the cost of fraud can cost people between $200 and $300 each year. If you consider the fact that the additional cost of home insurance is completely avoidable, then it makes sense to report instances where you suspect someone is filing a false claim.

No matter what company you have for home insurance, you have a duty to report home insurance fraud. If you suspect someone in your area is guilty, then you can contact us or our Arizona Department of Insurance to inquire about the steps you should take to report their behavior.