Tag Archives: car

Someone keyed my car! Am I covered?

Keying a carUnfortunately we live in a world where walking through the parking lot and finding a car that’s been “keyed” is not out of the ordinary. What if this happens to you? Are you covered if your car is keyed?

Auto policies come with coverage options your agent should have discussed with you, these include comprehensive and collision coverage, more commonly known as “full coverage” (although there’s no such thing as full coverage, we’ll save that for another post).

If someone keys your car you’re going to need comprehensive coverage, this coverage can provide assistance in the event that someone steals your car, breaks your window, takes your rims, etc.

Check your deductible before you file a claim: If you have a high deductible it may not be worth going through your insurance company. You may be better off having an auto detailer or paint shop buff out the mark.

Call your insurance agent and make sure you’re covered. Would you like a free quote on your California auto insurance policy? Call, email, or fill out the form to the right and we’ll take care of you right away!

Is anyone who drives my car covered?

You might find yourself in a position where you’re unable to drive your car. Maybe you’ve had too much to drink, your switching off with a friend on a road trip, or you hurt yourself. It’s bound to happen over time.


So are others covered if they drive your car?

Many companies offer what is called “permissive use” coverage. This type of coverage extends your insurance policy limits to others that drive your car.

Things to consider:

  • Not every company offers permissive use coverage.
  • Excluded drivers are definitely NOT covered under your policy.
  • Some insurance carriers have a limit on permissive use. (Example: 15 days per year)
  • Some insurance companies drop down policy limits to California state minimum (15/30/5) if someone else is driving your car.

Call your agent right now and find out if you’re covered or you may be without it when you need it the most. Would you like a quick 4 minute auto quote? Get in touch today and we’ll help you right away!