Category: Auto Insurance

Auto insurance is not a one-size-fits-all solution. Some people only need a basic policy, while others require full coverage. Additionally, there are plenty of special add-ons available to tailor your policy more precisely to your needs. At Innovative Insurance Resources in Honolulu, HI, our experienced team of independent insurance agents devotes time to providing the customized service you deserve.

Gap Coverage

If you own a newer vehicle and have a loan, and unfortunately, your vehicle encounters an accident and is considered a total loss, the Blue Book price may be lower than what you still owe. This situation would mean you end up paying for a vehicle you no longer possess. Having gap insurance ensures that there is no gap between what you receive from insurance and what you owe.

Full Glass

Comprehensive coverage usually includes glass coverage, but it also comes with a deductible. By adding full glass coverage to your auto policy, you can replace your windshield without any financial outlay.

Rental Car

Rental car coverage can be very beneficial if your car is damaged in an accident and you need to drop it off at the repair shop. It provides you with a rental car so that you can continue your normal activities without any disruptions.

Roadside service

Roadside service is similar to the services offered by an auto club. It covers assistance such as jump-starting your battery or changing a flat tire. Additionally, it provides a towing service if you break down or have an accident.

If you have questions or concerns about your auto insurance coverage, contact our office at Innovative Insurance Resources in Honolulu, HI.

Basic auto insurance is legally required by the state where you reside. However, it is not the same in every state. For instance, Hawaii is a no-fault state, meaning your insurance will pay for any injuries you sustain. At Innovative Insurance Resources in Honolulu, HI, we will discuss the importance of auto insurance with you and assist you in determining the right coverage for your needs.

In Hawaii, auto insurance must provide a minimum of $10,000 per person in personal injury coverage for you and any passengers in your vehicle. It must also include liability insurance coverage of $20,000 per person, totaling $40,000 for all injuries. Additionally, a minimum of $10,000 in coverage for property damage is mandatory.

These requirements ensure adequate coverage for other drivers and their vehicles in the event of an accident. But what about your car? If you are leasing your car or have an auto loan, you are required to have both collision and comprehensive coverage to protect your vehicle.

If you own an older vehicle with little market value or are financially capable of repairing or replacing your vehicle yourself, you might not need to carry this insurance. However, if, like most people, you rely on your vehicle for daily commute and other daily activities, then you must also consider ensuring your vehicle is adequately insured.

Collision Coverage

Collision coverage is designed to protect your vehicle from damage resulting from an accident you are responsible for or if a hit-and-run driver damages your vehicle.

Comprehensive Coverage

Comprehensive coverage insures your vehicle against damages that are beyond your control. This coverage also includes protection for your vehicle’s glass, offering repair or replacement services for your windshield.

Contact Innovative Insurance Resources in Honolulu, HI for all your auto insurance needs.

Advantages of Vehicle Storage During Extended Absences

If you’re planning to be away from your home for an extended time, storing your vehicles securely is essential. Below are some benefits of vehicle storage during prolonged absences:

The Benefits of Vehicle Storage for Long Periods

1. Freeing Up Garage Space

One of the notable benefits of storing your car during extended vacations is freeing up garage space at your home. If you share your living space with others, this extra space can be utilized while you are away.

2. Extra Protection from Adverse Weather

Storing your vehicle offers added protection from environmental elements. Exposure to harsh weather, such as sunlight, wind, rain, and hail, can lead to damage. Storage facilities can prevent such occurrences and help maintain your vehicle’s condition.

3. Decrease in Theft and Vandalism

A securely stored vehicle is less likely to be targeted for theft or vandalism. Storage facilities are typically equipped with robust security measures, reducing the risk of break-ins.

4. Peace of Mind

Perhaps the most significant benefit of storing your vehicle while away is the peace of mind knowing it’s secure and monitored, allowing you to enjoy your time off without worries.

If you are in Honolulu, HI, and require an auto insurance quote, contact our team at Innovative Insurance Resources today. They will ensure that your vehicle is comprehensively covered, providing you with peace of mind even when you’re away.