Let’s face it; your needs change over time. As such, it’s essential that you can achieve flexibility in all areas of your life, especially regarding your car insurance policy. That being said, many consumers may not know whether or not their auto insurance policy is flexible, making it harder to navigate changes as they come. If you’re looking into auto insurance in the Newport Beach, CA, area, let Murvay Insurance walk you through what to expect with your policy before we help you find the right choice for your needs. 

How Flexible Is Auto Insurance Initially?

Auto insurance is something you need to protect yourself on the road, so customization is a crucial element of this coverage that you can expect when shopping for policies. Whether you want coverage that meets your basic needs, add-ons that help you expand your coverage, or are even looking into insurance bundles that can help you cover multiple properties and assets at once, there’s auto insurance coverage designed for everyone out there. Most insurance providers are flexible and will work with you to provide you with coverage that’s as unique as you are.  

Can I Make Changes at Any Time? 

Customization and flexibility are important when purchasing a policy, but they’re equally important aspects of car insurance should things turn on a dime. Can you make changes whenever you want to your policy? While the answer will vary depending on your circumstances and provider, the general consensus is a resounding yes. All you have to do to make changes to your policy is to reach out to your insurance agent and explain the necessary changes. Then, changes should take effect immediately or almost immediately. This gives you the freedom to alter your policy without having to wait months or years to get the support you deserve.

Start Here With Murvay Insurance! 

Shopping for car insurance in the Newport Beach, CA, area and other areas we serve might seem daunting, given all the choices available, but we make it easy. Compare quotes with us today to find the perfect policy that helps you drive with confidence!

Why Auto Insurance is Essential in Newport Beach, CA

For Newport Beach, CA, residents who own a car, insurance for it is not only a convenience but a necessity. Having car insurance in this part of California ensures your mobility and gives you the freedom to explore local beaches and other amenities. However, ignoring the need for car insurance could invite various undesirable outcomes.

Risking Vehicle Loss

One of the main focuses of maintaining auto insurance coverage is to secure yourself against possible vehicle loss. In scenarios involving accidents or theft, if you don’t have insurance, you are responsible for the considerable expense of repair or replacement. Hold an insurance policy, and you have financial support. Without one, your savings will need to cover the loss.

Legal Implications

Driving without insurance can lead to legal penalties. California law mandates auto insurance for all drivers. Failure to have insurance, especially if you have car loans, may result in penalties. Those who neglect these requirements and get caught can face considerable consequences.

When you are a car owner in the Newport Beach, CA area, it’s pivotal to ensure proper auto insurance. As you search for an ideal policy, consider reaching out to our team at Murvay Insurance. The professionals at Murvay Insurance fully grasp the importance of this coverage and will provide you with the necessary assistance to devise a new policy. With our help, you can adequately cover yourself and your vehicle.

When accidents occur in Newport Beach, CA, and surrounding areas, there’s always a question of fault. Some people believe that certain types of accidents automatically assign fault to one party or another. At Murvay Insurance, we strive to deal with claims fairly and responsibly. Because of that, we want to shed some light on this myth of automatic fault.

Difference Between Fault and No-Fault States

The first thing to understand is that California isn’t a no-fault state. In a no-fault state, insurance companies typically pay out for their client’s damages, no matter who was at fault in the accident.

As an at-fault state, California insurance companies must pay damages for their client if that client bears the majority responsibility or fault for the accident. Because fault will go wholly with one party or the other rather than being split, there are some circumstances where automatic fault will typically fall.

Types of Accidents Where People Assume Automatic Fault

Some of the most common types of automatic fault situations include:

• Rear-end collisions occur because the following vehicle has a duty to follow at a safe distance and pay attention.
• Running a red light or stop sign, because this violates the law and creates accident conditions
• Driving under the influence violates the law, impairs driving ability, and creates a considerable accident probability.

Generally, if there’s negligence on behalf of a driver, then that driver will likely take on the fault for the accident.

What Happens When There’s Equal Fault

Circumstances where parties all bear an equal or nearly equal amount of fault can happen. Under those circumstances, the insurance companies for all parties will have to pay damages.

For this reason, it’s important not to assume fault if there’s any degree of doubt. If you want to know more about how fault works in Newport Beach, CA car accidents, contact Murvay Insurance today.

Car Insurance For an Accident with a Newer Driver

When a mom clings to the overhead handle as they are being driven to the doctor’s office, it’s a hint. When siblings and friends hide their faces in their hands as they are being driven to the mall, it’s a hint. Young people are curious to see how fast something goes and if it compares to the vehicles in their video games. We get it. 

Young people don’t recognize that the need for speed costs you. For instance, if you’re caught doing 140 in a 35, the judge will take away your license. Forever. If you’re exceeding the speed limit and hit someone, your insurance should be enough to cover the damages and medical costs. Murvay Insurance Newport Beach, CA wants you to know more about age and auto insurance. New drivers are out on the road every day.

Car Insurance For an Accident with a Mature Driver

On the other side of the coin is the little old grandma who drives 20 mph on the extreme right side of the road. Grandpa isn’t much better, but at least he drives the speed limit. If mature eyes or reflexes aren’t in good shape, drivers tend to drive more slowly. It is important to be insured against the unexpected. One slow lane change could mean a totaled vehicle.

About That Insurance

Insurance is about ensuring the money is there to pay for damages and medical costs if an accident happens. Young drivers don’t think about consequences; they want to have fun. More mature drivers may not be as sharp as they once were. These are a few obstacles we must overcome every day out on the road. It is important to have the right coverage when driving.

Murvay Insurance in Newport Beach, CA understands that everyone of all ages needs the proper insurance. Give us a call or drop by to learn more about it. Our team is standing by to help you find a policy for any situation.