John Alsop Cheap California Auto Insurance

John Alsop specialises in cheap California auto insurance. I had a look at his web site and here is a run down of what his agency offers.

Bodily Injury Liability (BI or AA) - Pays when you are legally liable for injury or death. This includes legal fees, appeal bonds and court costs. Pays up to the first limit for each person and up to the second limit, maximum, for all persons injured or killed in any accident when you are legally liable. Some cheap California Auto insurance policies can have a "Single" limit meaning Bodily Injury and Property Damage is combined in one "Single" limit.

Property Damage Liability (PD or BB) - In a "Single Limit" policy, this is included in a combined limited with any Bodily Injury that you are also legally liable to pay.

Medical Payments (CC) - Pays medical, dental, hospital, and funeral expenses for you and resident relatives injured in a motor vehicle accident. Also protects you and resident relatives in other vehicles or if struck as pedestrians.

Coordinated Medical (CX) - Coverage CX is like medical payment coverage (CC) above, but only applies on a excess basis for losses that exceed the limitations of a primary medical plan and on a primary basis to expenses for elements of losses which are not covered under a primary medical plan.

Uninsured or Underinsured Motorist (UM, UIM or SS) - An essential cheap california auto insurance policy. UM/UIM pays for loss of wages, pain and suffering and other related medical expenses that you or a resident relative are legally entitled to recover because of Bodily Injury or death caused by a uninsured or underinsured motorist.

Collision (DD)- Pays for losses to your vehicle caused by collision with another object or by upset of the vehicle. Payments are made on an "actual cash value" basis for the amount of each loss. The collision deductible applies.

Comprehensive (HH) - Pays other than collision losses to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, etc. The comprehensive deductible applies.

Rental Reimbursement (UU) - Pays rental car expenses for any covered comprehensive or collision loss. Pays a dollar amount limit per day for a specified number of days (Ex. $30 a day for up to 30 days).

Towing and Labor (JJ) (labor performed at the scene of the breakdown only such as changing in a tire) - Pays up to the policy limit for each disablement for towing your vehicle or labor costs at the place of disablement. This cheap california auto insurance policy Does NOT pay for parts or subsequent repair costs.

Replacement Cost Coverage (RC) - Optional coverage that replaces the vehicle without depreciation. (Typically covers up to 3 years on brand new vehicles purchased only)

Loan or Lease Gap Coverage - Covers the difference between the "actual cash value" of a vehicle and the loan/lease payoff when the vehicle is totaled in a covered accident. (Does not apply to any amounts that negatively affect the value of the vehicle purchased. i.e. upside down trade-ins).

Sound System Coverage (ZA) - Coverage for permanently mounted audio/video equipment. (Must have comprehensive coverage (HH) in place). Coverage amounts up to $2500.

Tape Coverage (ZZ) - Coverage for media such as DVD/CD/tapes used with your permanently mounted A/V system. (Must have ZA coverage in place)

For more information on John Alsop cheap California auto insurance visit www.johnalsopinsurance.com