13925 San Pablo Ave STE 101, San Pablo, CA 94806, USA
(510) 619 - 6597
mario@haroinsurance.com

FAQ

FAQ

Frequently Asked Questions 

 

I was involved in an accident. What do I do? 

  • Immediately move to a safe location, away from ongoing traffic.  
  • Obtain the following information from everyone involved:
    • Full name
    • Address
    • Phone number
    • Drivers license number
    • License plate number
    • Insurance information (Insurer, policy #, effective dates & agent name) 
  • Obtain full names, addresses, and phone numbers of witnesses 
  • Provide the insurance information found on your proof of insurance card 
  • Take pictures of any damages
  • Take note of the exact location accident took place (City, street, cross street, nearby exits, etc)
  • Do not admit fault or discuss the accident with anyone except the police or representative of your insurance company 
  • As soon as possible, report the accident to your insurance company

 

How do I report a claim? 

To report a loss, please contact the claims department of your insurance carrier directly. This will speed up the process by almost a whole day. If you need advice or other assistance, feel free to call us. 

 

Am I covered if I drive someone else’s vehicle? 

Generally speaking, your insurance is tied to the car that is listed on your policy. Therefore, the owner’s insurance is responsible for covering any losses. Please note, some policies will not cover unlisted, permissive drivers. Always verify respective coverage before driving another vehicle or allowing others to drive yours. 

 

How do I view my policy documents?  

Typically, you can create an account online with your insurance company and have instant access to your policy documents, including your proof of insurance. You can also give us a call and we can print, mail or email the necessary documents as soon as we can. 

 

How do I pay my bill?

If you visit the office, we can pay your bill with cash, check or card. We can also pay your bill over the phone with a debit or credit card. Most insurers will also let you pay bills directly over the phone or online. We can also set up automatic payments from your debit/credit card or bank account at any time. 

 

How much auto insurance do I need? 

California requires drivers to carry at least the following auto insurance coverage:

  • Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum
  • Property damage liability coverage: $5,000 minimum
  • Uninsured motorist bodily injury coverage: $15,000 per person / $30,000 per accident minimum*
  • Uninsured motorist property damage coverage: $3,500 minimum*

While these are the minimum requirements, everyone’s insurance needs are unique. We will recommend any extra coverage that may be appropriate for you.

*Uninsured motorist can be waived by insured’s request. 

 

What deductible should I choose? 

The higher the deductible, the lower the premium, but the more you’ll pay out of pocket in case of a claim. The lower the deductible, the higher the premium, but the less you’ll pay if you have an insured claim. 

 

What can I do to control my auto insurance rates? 

  • Drive safely and minimize how much you drive
  • Maintain a clean driving record to qualify for the good driver discount
  • Have multiple policies with the same insurance company
  • Insure more than one car to qualify for multi-car discounts
  • Insure your boat, motorcycle or RV to earn additional discounts
  • Drive a reliable car with standard safety features (air bags, anti-lock brakes, electronic stability control, etc)
  • Remember, the more your car is worth, the higher your premium will be 

 

What factors are considered when determining my car insurance price? 

Some of the factors that influence your premium include: 

  • Age and driving experience 
  • How your vehicle is used 
  • Driving history 
  • Claims history 
  • Year, make and model of your vehicle 
  • Geographic location 
  • Credit history 

 

What factors are considered when determining my property insurance price? 

Some of the factors that influence your premium include: 

  • Location of risk 
  • Construction 
  • Age of insured 
  • Age of home 
  • Age of renovations
  • Credit history 

 

What factors are considered when determining my motorcycle insurance price? 

Some of the factors that influence your premium may include: 

  • How your vehicle is used 
  • Driving history and claims history 
  • Year, make and model of your motorcycle 
  • Modifications, customization and conversion 
  • Age of driver 
  • Your location 
  • Security and safety features and programs 

 

 

 

 

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