When Should You Update Your Auto Insurance?

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It’s important to keep your auto insurance policy up to date, so you get the right coverage. At Biddle-Shaw Insurance Services Inc.in San Francisco, CA, we offer different types of auto insurance to meet your needs. Here are the signs its time to update your existing policy.

Moving

Moving is a daunting experience, and updating your car insurance can seem low on the priority list. However, not updating your address can void your policy. Obviously, if you move to another state you’ll have to update your address. However, even if you are moving across town, you’ll need to contact your insurer and give them the correct address. 

Aftermarket Upgrades

Some companies will cover aftermarket parts up to a certain amount. Many companies also offer an option to insure the vehicle for an agreed-upon value, which can be higher than the book value. This allows you to cover the upgrades to your vehicle without a problem. If you want the company to cover your car customization, it’s best to discuss it before you modify your vehicle. 

Change in Drivers

If you had other drivers insured on your policy that are no longer driving your vehicle, you could save money by having them removed. If there’s a new driver in the household, you’ll need to add them to your policy. 

Change in Driving Record or Status

You should also update your policy if your driving record has changed, particularly in your favor. If you have an accident or speeding ticket that has recently been removed from your record, it could lower your rate. An improved credit score, getting married, and getting older can also lower your premiums.

Biddle-Shaw Insurance Services Inc.has been serving San Francisco, CA residents for more than eighty years. We believe in providing individuals with policies that suit their needs. Contact us today to learn more.  

Is Minimum Auto Insurance Coverage Enough?

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With such a large population, San Francisco, CA has some of the most congested roads in the country in one of the most populated states in the nation. There are well over 3,000 motor vehicle accident deaths a year in the Golden State and tens of thousands of more accidents that result in property, physical and emotional damages. Even if you are a good driver with a clean record, you need auto insurance. 

And as you probably already know, you are required by the state to have valid insurance in order to register a vehicle and drive on public roads. State law also requires you to meet certain coverage minimums, specifically in the areas of Bodily Injury Liability and Property Damage Liability. And unlike some states, California also requires you to carry Uninsured Motorist coverage with both Bodily Injury and Property Damage minimums.

At Biddle-Shaw Insurance Services Inc., we offer a range of auto insurance policies and get frequent requests for the lowest minimum coverage amounts. However, the truth is that this is hardly the best way to go. Even minor traffic accidents can rack up damages that exceed minimum coverage, causing you to face hefty out-of-pocket costs. Furthermore, it’s worth noting that the state-required minimums are focused on covering damages you may inflict to others, not your own. 

So for most drivers in San Francisco, CA, and all of California for that matter, minimum auto insurance coverage just isn’t sufficient. This is especially true if you have a newer vehicle with pricey customizations or even a classic car that requires specialty parts for repairs. Even cars from a decade or more ago can experience more serious damage in an auto accident, thanks to the lack of advanced safety standards and structure. 

To learn more, contact the experts at Biddle-Shaw Insurance Services Inc. We will evaluate your driving habits and specific needs in order to determine what kind of auto coverage may be best for you.

Does Commercial Insurance Protect A Business That Caters To Family Activities?

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Commercial insurance is a broad term for any type of policy that is meant to protect a company or business endeavor. There are many different variations for commercial insurance that is designed to help protect a specific type of business to prevent liability and losses. One special type of commercial insurance is family activity center insurance.

Family Activity Center Insurance 

Those who choose to open a business that caters to family-related activities, such as arcades, recreational vehicles, and even water parks need family activity center insurance. This coverage is tailored with liability and special scenarios only present with a family geared business. In order to find out if this type of insurance is right for your business, consult with an insurance agent who has experience with this type of policy. They can help arrive at a solid insurance coverage figure and advise on other options that can provide additional blankest of protection.

Work With An Experienced Agent

One of the best ways to protect a business from liability and other claims is to work with an agent who has plenty of experience with commercial insurance policies. They will be able to sit down with the client to find out what type of coverage fits their situation without leaving gaps in coverage. Those who have a business in or near the San Francisco, CA area should consult with Biddle-Shaw Insurance Services Inc. to find out what policies work best and how to learn more about what is covered.

Anyone who is interested in family activity insurance for their business should call or stop by Biddle-Shaw Insurance Services Inc. proudly serving San Francisco, CA,  to find out more about coverage options.

Should I Bundle My Home Insurance With Other Insurance Policies?

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You hear of bundling insurance often, especially home and auto. You get advice about it and see commercials about it, but you are still not sure if it is the best choice for you. At Biddle-Shaw Insurance Services, Inc., we want you to understand the benefits of bundling insurance so you can make the best decision for you. 

Discounts

One of the most significant benefits of bundling is that most companies offer a discount if you bundle with them. Many people bundle their phone and the internet or their internet and cable because they receive a discount when they do. Bundling your insurance works similarly.

One Bill and Agent

Paying bills is bad enough, but paying multiple ones is even worse. You can save yourself some time and trouble of getting around San Francisco, CA by bundling since you pay all of your insurance at once. Additionally, when you do business with only one agency, you have a better opportunity of building a relationship with that agent.

Potentially Lower Deductible

There is a possibility that you will have a lower overall deductible to meet as your two policies are joined.

Consumers must do their due diligence. At times, though it is rare, bundling may not provide a discount. There is also a chance that bundling two insurance types may affect the coverage you receive. This is why it is vital that you do your research before signing any contracts. You want to be sure you are getting the best deal, that the agency you choose can answer any questions you may have, and that they are transparent with the quality of the coverage you will receive through bundling.

If you reside in San Francisco, CA, and have any questions about bundling your insurance policies, give Biddle-Shaw Insurance Services, Inc. a call. You can count on us to help you make the best choice for you and your family.

 

Why your business needs Commercial Insurance

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At times, the difference between the wise and not-so-wise often comes down to a single decision. As a business owner, one such choice for you is whether to get commercial insurance or not. This is even more critical for new companies as their trajectory can be unstable. A commercial license will mitigate the risk of a sudden loss of finances and might be the only thing that would save the company from going under. As a start, you must understand the significance and importance of commercial insurance.

Commercial losses, such as theft, employee injury, property damage, liabilities, etc. are common. If you have reliable policy coverage, you might be less affected by such events compared to not having any protection. Another growing area of concern is data breach damage with an increasing number of cyberattacks. Financial losses to such types of attacks can be considered in specific policies. A great benefit of commercial insurance is you receive tax deductions provided the company serves a business purpose.

At Biddle-Shaw Insurance Services in San Francisco, CA, you have the expertise of the commercial insurance market and the sound understanding of local rules and regulations. A commercial license can be more complicated than individual policies, which makes for a great reason for you to consult an expert in the matter. At Biddle-Shaw Insurance Services, agents are trained to understand your specific situation and then guide you on the best-matched policy for your needs. This could easily be the best investment you make in your business, giving you the support, security, and peace of mind that is needed in a successful business. Visit the Biddle-Shaw Insurance Services office in San Francisco, CA, or contact us by phone to get started without risking any delay.

Why a home inventory is a good idea

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Owning a home in San Francisco, CA is a dream come true. When you own a home, you probably have a mortgage and your lender will require that you protect their investment by carrying home insurance. Home insurance also protects you since it provides coverage for not only the physical building itself but also your personal belongings. Biddle-Shaw Insurance Services, Inc. offers its clients and future clients the benefit of their years of experience when it comes to choosing the right home insurance. 

If your home is damaged or destroyed by a covered hazard, you can lose all or part of your personal possessions. Imagine having to reconstruct from memory your entire home and what you have in every single room, drawer, closet, and cupboard. It is a daunting prospect. This is why creating a home inventory is a good idea. With a home inventory, you will have all the proof that you need to verify the things that you owned prior to the hazard that caused the damage. 

To create a home inventory, go through your home room by room and write down all the things in the room. Be as specific as possible. For example, saying a sofa is not enough.  You will need to describe the sofa. If you have proof of the money spent on items, include that with the inventory. Take photos to go along with the inventory. For higher-priced items like electronics, be sure to note the brand and model. The inventory should then be stored in a safe place, preferably off-site but at the very least in a fire and water-resistant box. 

Your home is your castle, and in San Francisco, CA, Biddle-Shaw Insurance Services, Inc. understands that. Why not give our office a call or stop by to discuss the value of a home inventory and any other insurance needs you may have. 

 

I Got a DUI Now What?

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So you made a mistake and drove under the influence. You’ve gone to court and had a hearing with the DMV, and you’re probably wondering what happens now. A DUI conviction can have adverse effects on your insurance rates and driving privileges. After a DUI, there may be additional requirements for you to drive again. Biddle-Shaw Insurance Services, Inc. serving San Francisco, CA may be able to help.

Your Rates Will Increase

A DUI conviction leaves a mark on your driving record that lasts for ten years. That mark can lead to increased insurance rates. However, your rate probably won’t immediately jump, because state law prohibits insurance companies from raising your rates before your renewal period. But, you should be prepared to see an increase when it’s time to renew.

You’ll Need an SR-22

Your license was probably suspended following your DUI conviction, so you’ll likely be required to obtain an SR-22 to reinstate your driving privilege. An SR-22 is a form that provides proof that you have the state-required liability insurance to drive. The DMV requires drivers convicted of DUI have one on-file, typically for three years. 

If you own a car or have one registered in your name, you’ll have to have an SR-22 on file with the DMV. If you don’t own a car, but will drive at any point during the designated timeframe, you’ll have to obtain a nonowners SR-22. 

You must request a form from an auto insurance company. They will either send it to you, or they’ll send it directly to the DMV once it’s completed.

The time following a DUI can be stressful. Biddle-Shaw Insurance Services, Inc. serving San Francisco, CA can help you get back on the road. Contact us today to learn more about your insurance options.

 

Why You Could Be Found At Fault For Your Auto Accident

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Have you ever wondered how insurance companies like Biddle-Shaw Insurance Services, Inc. determine who’s at fault for an accident? Imagine you’re driving along in San Francisco, CA, minding your own business, when suddenly a car slams into your passenger side door. You feel the other driver was to blame because they hit you, but you missed the stop sign. So, who’s at fault?

How is Fault Determined

There are two main ways authorities determine who is at fault for an auto accident — Proof of negligence and showing that a driver violated a statute.

To prove negligence means that the driver operated their car unsafely. For example, if you pull away from a curb, and another hits your vehicle, you could be found at fault because it’s reasonable to say you did not make sure the roadway was clear before you entered traffic.

Another example is a rear-end accident. It could be determined that you followed too closely, which is considered an unsafe operation of a vehicle.

Violation of a statute is determined by whether you adhered to traffic law or not. So, if you ran a red light or stop sign, you will likely be determined at fault for the auto accident.

Fault Through Comparative Negligence

Even if one party is determined at fault, the other could still carry some responsibility through comparative negligence. This means that both parties were found negligent. However, one party is more at fault than the other. Comparative negligence is usually determined by witness statements, law enforcement, and statements by the insured parties.

Auto insurance coverage can protect your assets if you’re found at fault in an auto accident. Call or stop by Biddle-Shaw Insurance Services, Inc., which services the San Francisco, CA area, to determine if you have enough coverage in the event of an accident.

Does Home Insurance Cover Damages Associated with Sink Holes

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For the most part, people are not going to have to deal with sinkholes. For others, it is a real concern. Sinkholes are an occurrence when the ground sinks or opens up to fill a hole that is beneath the surface. For those that live in the San Francisco, CA area, Biddle-Shaw Insurance Services, Inc. can help you to find the policy that is going to work best for you.

Home insurance policies, in most cases, do not cover ground movement or settling in a home. In some cases, a sinkhole may fall into the ground movement category, which means it is not going to be covered by your home insurance policy. Even if your standard policy does not cover sinkholes, but you feel that you are going to have issues with sinkholes, you may want to take out a secondary sinkhole policy.

In areas where ground movement is likely to occur, you may want to take the time to find an excellent policy that is going to help protect your home. A sinkhole policy is going to help make sure that if your home is damaged from a sinkhole, you are not going to have to fix it alone. Sinkholes are something that may not be common, but if you live in an area where this type of ground movement is common, you may want to look into a policy.

For those in the San Francisco, CA area, the agents with Biddle-Shaw Insurance Services, Inc. can help you to find the perfect coverage for your home. We will work with you to find a policy that matches your needs and answer your questions.

Can You Increase The Amount Of Commercial Insurance You Have During The Policy Term?

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If you own a business or are planning on starting one in the near future, you probably already have commercial insurance, but is there a time when you may need to increase your coverage during a policy term? There are many reasons why a business may require an increased amount of coverage, which is why you should know when and why you should be able to increase the policy amount. 

Changing The Policy Value

If you need to increase the value of your policy, you can in most cases, make the change with the assistance of your insurance agent. They can submit the necessary documentation and paperwork. Some instances where you may need to request an increase would be an expansion, an increase in inventory, and major equipment purchases. If you feel there will be the possibility for increase insurance coverage, let your agent know in advance so they can help find a policy that can accommodate your growing needs and help prevent losses from a lack of adequate coverage.

Flexible Insurance For Your Company Or Business

Getting the right type of coverage is essential for protecting your assets. That is why you need to work with an agency who had representatives who know how each insurance product works to help you find options that meet your needs. If you are located in the San Francisco, CA area, you can rely on Biddle-Shaw Insurance Services Inc. to give you the information and experienced services you need to make a wise purchase and help you protect your investment over the course of time.

Those who operate a business or company around the San Francisco, CA area should call or stop by Biddle-Shaw Insurance Services Inc. to find out more about the policy options available. The right insurance can help protect you from a variety of losses and meet your future needs.