Auto Insurance

Paying too much for Auto Insurance?

If you’ve seen a spike in what you’re paying for car insurance, you’re not alone. Getting a better rate doesn’t have to be a time-consuming experience, we can get you a quote within minutes.

There are discounts you could benefit from like: multiple car discount, low mileage discount, clean driving record discount, marriage discount, bundled insurance, etc.

Cars are expensive to fix or replace, and medical expenses due to injury can quickly skyrocket. That’s why auto insurance is important. When it comes to car insurance, Gama Insurance Inc. provides a variety of coverage options. Read on to learn what’s available.

For immediate Free Quote, please call (951) 273-3840

Standard Coverages

Optional Coverages

Personal Injury Protection

PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in No-Fault automobile insurance states.

Uninsured & Underinsured Motorist

That coverage which, in the event the insured is injured in an accident which is the fault of an Uninsured Motorist, covers the Bodily Injury expense of the Named Insured, Relatives and passengers in his/her auto. The coverage is generally written with a per person and per Occurrence limit.

Rental Car Reimbursement

That optional coverage which will reimburse the insured for the expense of renting a vehicle while his/her vehicle is in the shop due to a covered loss. Coverage is usually written with a per day Limit and a maximum number of days per Occurrence.

Rideshare Insurance

Rideshare insurance gives you coverage in Period 1, in which Transportation Network Companies provide limited or no coverage at all. Having proper liability protection at all times, while you’re working, can ultimately save you a lot of money, in the case of an accident.

Bodily Injury Liability

Physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.

Collision/Comprehensive

Collision coverage is: (a) Impact of an automobile with another object or person outside the vehicle or the upset (overturning) of such vehicle; (b) That coverage which pays for damage to our insured’s vehicle, in the event of the above. This coverage is usually subject to a deductible.

Medical Expenses

An optional auto coverage which pays for the medical expenses of the Named Insured, members of his/her family, and passengers of his/her car if injured in a Collision accident. The Named Insured and Relatives are also covered if struck as a pedestrian. This coverage is Excess to any other medical insurance.

Loan/Lease Gap Coverage

In the event of a total loss, the insurer’s actual cash value (ACV) payment may or may not be sufficient to pay off the loan or lease. With this coverage, the carrier will pay additional funds needed to end the contract.

Property Damage Liability

Damage or destruction including loss of use of a Third Party’s property. Reduction in value is the measure of Property Damage.

Towing

The optional auto insurance coverage which will reimburse the insured for the expense of towing or repairs at the place of disablement in the event the vehicle becomes disabled. Coverage is written with a per Occurrence Limit.