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Golden Way Insurance Services, Inc.

10092 Chapman Ave # 2
Garden Grove, CA 92840

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What Happens If Someone is Injured At My Home?

One of the most important reasons to carry home insurance is that it comes with an added amount of liability coverage. While this type of insurance protects you against many things, it also helps provide monetary assistance to anyone outside your immediate family who is injured while visiting your home.

For example, if a delivery person slips on your cracked driveway and breaks their arm, your home insurance might cover a portion of their medical bills. Likewise, if your dog bites your child’s friend, this could also be covered.

So, what steps should you take if a situation like this occurs? Here’s what to do if someone is injured while visiting your Garden Grove, CA home.

Step #1: Medical Treatment

Before anything else, make sure your guest gets the medical treatment they need. If this is a major incident, call emergency services immediately. For something minor, they can opt to visit their local physician. If they feel they aren’t seriously injured enough for treatment, take note of this.

Step #2: Call Your Trusted California Insurance Agent

Next, you’ll want to give our team at Golden Way Insurance Services a call. We can help you decide whether the incident needs to be reported to your homeowner’s insurance carrier or if it is still too soon to decide. If it is necessary to file a report, we’ll help you get this done.

Step #3: Discuss the Situation with Your Home Insurance Company

If your guest’s injuries are major or they are seeking treatment with a physician, your home insurance company will let you know the next steps necessary in filing a liability insurance claim. They will likely assign a specific adjuster who will ask you about the incident and the person involved in the claim.

Not sure what your current liability limits are on your home insurance? Please contact our Golden Way Insurance Services team in Garden Grove, CA today to schedule an appointment.

What’s the Minimum Auto Insurance Required in California?

California, like most states, has auto insurance requirements that must be maintained to operate legally on the roadways. Having adequate coverage is also essential to protect you and others in the event of an accident. Failure to maintain a proper level of coverage can lead to legal repercussions costing you time and money. Keeping a minimal amount of auto insurance will ensure you are protected in the event of an accident.

At Golden Way Insurance Services in Garden Grove, CA, we can help you find a policy that matches your needs so you can get the best possible auto insurance coverage. We offer a range of options, from full coverage to minimum liability.

What Are the Minimal Requirements?

There is a minimum amount of auto insurance coverage required in California, but it is relatively low. Damage that amounts to $5,000 in repairs would be covered, so anything in excess you would need to come up with out of your pocket.

Death and injury limits are $15,000 of one person in a car accident. If multiple people are involved in the accident, the limit increases to $30,000.

It is important to know what types of coverage are needed to be minimally covered, but exploring beyond this basic coverage can leave you better protected.

Trusted Auto Insurance in Garden Grove

Contact us at Golden Way Insurance Services in Garden Grove, CA today to schedule an appointment to discuss your auto insurance options. Our agents have years of collective experience helping vehicle owners get the best coverage they can. We also offer a range of other insurance options for your home, business, and possessions.

We look forward to working with you.

Three types of life insurance to consider

A life insurance policy can give you and your family peace of mind about the future. At Golden Way Insurance Services, we can help you meet your life insurance needs with the right policy for your Garden Grove, CA family.

The following are three types of life insurance that you’ll want to consider before you select your life insurance policy.

Term life insurance

Term life insurance is generally the most affordable and straightforward life insurance out there. When you buy a life insurance policy, you will enjoy coverage of a specified death benefit amount for a certain amount of years. A term life policy could last five, ten, or more years.

Once the policy term is over, coverage ends. If the policyholder outlives the policy term, he or she gets nothing back from the policy. This means that term life insurance doesn’t accumulate cash value. 

Although term life insurance doesn’t include a cash value, it provides inexpensive insurance coverage in comparison to other types of life insurance. 

Whole life insurance

Unlike term life insurance, whole life insurance doesn’t have any term. A whole life insurance policy is designed to last for the rest of the policyholder’s life. With whole life insurance, the policyholder gets a death benefit and also accumulates savings through the investment component of the policy. 

Universal life insurance

There are three types of universal life insurance: guaranteed, indexed, and variable. These policies involve a significant investment component. They are less expensive than whole life insurance policies, and this makes them attractive to some consumers. 

You can learn more about these different types of life insurance with our help at Golden Way Insurance Services. We are a life insurance provider in Garden Grove, CA. Contact us for more information. 

Do I need a home inventory

Garden Grove, CA is a nice local in Orange County just 35 miles southeast of Los Angles and 8 miles away from the Pacific Ocean. With a total population of 174,000 and a median age of 38, it is a great place to call home. It is one of the most affordable places to purchase a house in the area. If you are a homeowner, you will need home insurance, and at Golden Way Insurance Services, our staff has years of experience providing caring customer service to all of our clients. 

The answer to the question, "do I need a home inventory?" is yes. Because even in a great place like Garden Grove, CA, bad things can happen. When you need to file a claim against your home insurance policy, and they want to know what you have lost, it can be traumatizing. After you have dealt with a loss, the last thing you need is more stress. Having your home inventory already done can make the process go much more smoothly.

You don’t need to do anything too tricky, just take a pad and walk around your home and write down what you have, Go into your closets and drawers and even into your attic and basement. Take an inventory of your linen closet, your kitchen cabinets, and your holiday decorations. When the time comes to provide your insurance company with this list, you will be glad you took the time to do it. Include as much detail as possible, serial numbers, models, and if you have receipts, attach them. 

It is much better to do a home inventory and not need it than not do one and need it. At Golden Way Insurance Services in Garden Grove, CA, we are here to help you with all your insurance needs. Call us or stop by our office for a no-obligation quote. 

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