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    Spotlight on SR-22s

    Last updated 2 days 9 hours ago

    Not everyone is required to fill out an SR-22 form; however, it is relatively inexpensive and easy to obtain. An SR-22 is used to prove financial responsibility and it is mandatory for those who do not have car insurance. If you are involved in an automobile collision or a traffic offense and you are unable to show financial responsibility, you will need to acquire an SR-22 form from an insurance provider. Other individuals who may need this form include people with suspended driver’s licenses, those who are convicted of a DUI or a DWI, and people who repeatedly commit traffic offenses during a short timeframe. In order to obtain an SR-22 you must contact your car insurance provider; in most areas, it must be maintained for three years.

    If you would like to know more about SR-22s or automobile insurance, call Damberger’s Insurance Agency at (866) 982-9181. We offer various types of insurance in the Mountain View area, including comprehensive auto and motorcycle insurance policies. Visit our website to find out more about what we can do for you today.

    Find Out How to Reduce the Risk of Fire in Your Home

    Last updated 9 days ago

    While fire is useful and necessary for many types of equipment, it can have tragic consequences when misused. Approximately 16,000 Americans are killed each year because of fire-related accidents. Watch this video to find out how to reduce the risk of fire in your home.

    Many fire-related incidents occur while cooking. When you use a gas-powered stove, refrain from wearing loose clothing and make sure you keep flammable materials away from sources of heat. You can help to avoid accidents by keeping children at least three feet away when cooking. Utilize smoke alarms inside and outside as well as on every level of the house. Test them monthly and change them every other year.

    Damberger’s Insurance Agency is proud to serve the Mountain View area with homeowner, automobile, and motorcycle insurance. If you would like to know more about our comprehensive and competitive insurance policies, please do not hesitate to call us at (866) 982-9181. If you live in the Mountain View area, stop by or visit our website today

    What Is Typically Covered in a Homeowner's Insurance Liability Policy?

    Last updated 17 days ago

    For those who are not familiar with different types of insurance policies, it can be hard to make an informed decision for yourself or your family. It helps to do some research before choosing a policy so that you know if it meets all of your needs. Here is a look at what is typically covered in a homeowner’s insurance liability policy.

    Personal Liability

    If you are at fault for damage that occurs to someone else’s property or person, your homeowner’s insurance liability policy may offer protection. This protection may also extend to family members who live in your home and the damage that they might cause to another person or someone else’s property. Your homeowner’s insurance liability policy may protect you when injury or damage occurs on or off of your property. Your policy can even pay for your legal costs when you defend against a covered claim.

    Medical Payments

    A homeowner’s insurance liability policy can protect you from the financial repercussions when a person is accidentally injured while on your property. The insurance will pay for medical expenses whether the accident was your fault, the injured person’s fault, or a third party’s fault. In the event that someone does become injured while on your property, a homeowner’s insurance liability policy can help you avoid paying extensive medical fees after serious injuries. Additionally, your insurance policy may offer a minimum of coverage per accident, rather than a lump sum.

    Limitations and Minimums

    Each accident that occurs on your property or due to the actions of someone who lives in your household typically offers $100,000 or more in coverage. Your homeowner’s insurance liability policy may provide additional coverage; if it doesn’t, you can increase your coverage limit. This coverage does not protect you when damage or injury is intentional or related to business.

    If you would like to know more about what is typically covered in a homeowner’s insurance liability policy, call Damberger’s Insurance Agency at (866) 982-9181. We are a Mountain View based insurance agency that specializes in motorcycle, automobile, and homeowner’s insurance. For more information about our insurance policies and competitive rates, please visit our website or stop by and see us today. 

    What Are the Most Common Causes of Car Accidents?

    Last updated 28 days ago

    Automobiles provide a quick and convenient way to travel around and accomplish your daily goals. However, there are many factors that can lead to automobile collisions, which can be expensive and even fatal. Keep reading to learn about the most common causes of car accidents and how you can protect yourself and your family with the right auto insurance policy.

    Conditions

    One common reason a person might find themselves in an automobile collision is poor driving conditions. This is often due to inclement weather like heavy rain, ice, or snow. Heavy rain can impair a driver’s ability to see other people or obstacles on the road. A road covered with ice becomes slick, which makes it more difficult to maneuver your vehicle. Snow can freeze over into ice as well as impede a driver’s vision. All of these factors greatly increase the risk of being involved in an automobile collision.

    Attention

    A great deal of car accidents are caused by drivers who are distracted or not fully paying attention to their surroundings. Texting while driving has become a significant issue in modern times, and it often leads to hazardous driving and fatal collisions. Other common distractions include eating, talking on the phone, and applying makeup. It is crucial to keep your eyes on the road and be aware of your surroundings so that you can anticipate other drivers’ actions and avoid dangerous automobile collisions.

    Impairment

    There are a few reasons someone might be driving in an impaired state of mind. People may be overworked, fatigued as a side effect from certain medications, or intoxicated from alcohol or drugs. All of these factors pose a serious threat to your safety as well as other drivers’ and pedestrians’ safety. Impairment can even come from emotional sources such as stress, anger, or depression.

    Auto accidents are sometimes unavoidable, which is why you should have a comprehensive auto insurance policy to protect yourself and your family. We provide the Mountain View area with various types of insurance including automobile, motorcycle, and homeowner’s insurance. If you would like to know more about our competitive auto insurance policies, feel free to give us a call at (866) 982-9181 or visit our website

    What Kind of Insurance Do You Need for a Recreational Vehicle?

    Last updated 1 month ago

    Recreational vehicles enable outdoor enthusiasts to enjoy the great outdoors in a most exciting way. The risks that these vehicles carry and the extent of damage that is typical of accidents involving recreational vehicles means that most of these vehicles are not covered under any auto insurance policy.

    If you have a boat, RV, travel trailer, or off-road vehicle and you wish to protect yourself against damage and expenses incurred should you have an accident, then you need special recreational vehicle insurance. The extent of coverage you opt for is up to you, but basic liability insurance is essential and most experts would recommend a fairly comprehensive plan.

    At Damberger’s Insurance Agency, we know you have many choices when it comes to selecting a Mountain View area insurance agent. To attract your business and keep it, we offer personalized service and plans that are tailored exclusively to your needs and preferences. To learn more about our recreational vehicle coverage and other insurance plans, call (650) 318-6291 or visit our website. 

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