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Auto Insurance

Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

At Gallant Risk and Insurance Services, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs, for peace-of-mind driving assurance.

Driving. Automobiles passing by

​Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues.

Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance and much more. Since policies vary with protection options, it’s important to talk to a representative from Gallant Risk and Insurance Services to create a policy that insures your needs.

Liability Insurance

There are two main components to Auto Liability:

Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same.

Uninsured/Underinsured Motorists Coverage

As a safe driver, obeying street signs, speed limits and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers and your vehicle.

Collision

For most drivers, a car is more than just a means of transportation – it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Kwan Insurance Services, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or some other object.

​Collision insurance covers some or all of your car repair or replacement costs if you are in an accident with another vehicle or drive into an object such as a tree, building, or telephone pole. It also covers damage from accidents where no other car or object is involved, such as if you roll over or flip your car. Collision insurance is one of five basic types of car insurance coverage.

No state requires the purchase of collision coverage, but auto loan lenders and leasing companies will usually require you to purchase both collision and comprehensive insurance coverage. Insurance companies typically sell these two policies as a package, but drivers should note when comparing comprehensive and collision coverage that they protect against different forms of damage. The main distinction between these two types of insurance is that collision coverage is for damage resulting from an accident, while comprehensive insurance covers damage from other events, such as a severe storm or a break-in. Drivers deciding whether to drop or buy collision insurance coverage should weigh the costs and benefits of doing so.

Comprehensive Coverage

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Gallant Risk and Insurance Services, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At Gallant, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:

  • Theft or Larceny
  • Vandalism and Glass Breakage
  • Fire Damage
  • Hail, Water, or Flood Damage
  • Hitting a Deer or Other Animal
  • Damage from Falling or Flying Objects

Medical Coverage

When it comes to the safety and security of you and your family, nothing should be left to chance. If you or your loved ones get involved in a car accident, your number one priority should be to make sure everyone receives the care and treatment they need – at a cost that keeps your finances and savings intact.

Being insured with an auto policy that includes covering Medical Payments ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, keep in mind that with the right Auto Insurance policy, you won’t have to anymore.


Additional Coverages

  • Rental Car Benefit
  • Roadside Assistance
  • GAP Insurance
  • Repair/Replacement Coverage
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4160 Temescal Canyon Rd., Suite # 402
Corona, CA 92883

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