Tag Archives: damage

Understanding Car Safety Ratings


Although newer vehicles are generally more expensive to insure than older ones, consumers can often get discounts if their new vehicles have the latest safety features. Advances in crash and accident avoidance technology mean that consumers who buy a new vehicle equipped with the latest safety features are often less likely to be seriously injured in a car crash.

Safety ratings are a function of two major factors: prevention—how well the vehicle is designed to prevent an accident—and, crashworthiness—how well the vehicle performs in a crash.

The Insurance Institute for Highway Safety ranks its Top Safety Picks based on good, acceptable, marginal or poor performance in high-speed front and side crash tests, a rollover test, and evaluations of seat / head restraints for protection against neck injuries during rear impacts. Crash tests are conducted on a half-dozen types of vehicles, including large cars, mid-sized cars, small cars, minivans, mid-size SUVs, and small SUVs. You can also visit the National Highway Traffic Safety Administration website for a full report on recalls and defects.

Currently, some of the top-rated safety features are:

  • Adaptive front airbags
  • Side airbags
  • Side curtain airbags
  • Knee airbags
  • Electronic stability control
  • Anti-lock braking systems
  • Brake assist
  • Tire pressure monitors
  • Back-up sensors
  • Park assist
  • Blind-spot warning
  • Lane departure warning
  • Forward-collision warning
  • Smart headlights
  • Crash-alert systems (such as OnStar)
  • Built-in car seats

Technology is ever-improving, and, as time goes by, manufacturers and the government are standardizing these features. Doing your homework ahead of time and knowing what your options are can make the decision-making process smoother and get you into that new car faster!

Flood Insurance Thousand Oaks CA

Warning: Winter Storms Are Coming, Get Flood Insurance Now!

Prepare your home and business for predicted floods and storms.

While the weather is dry and sunny in Southern California, be warned that it’s not due to continue: El Nino is coming and this winter is predicted to be a wet one! Despite California not being known for it’s rain and flooding, this only makes our land more precipitation-intolerant. The land has been in such a drought that experts say that when it does rain, the land will become overwhelmed with water and flooding will occur quite rapidly.

What are viable flood defenses that you can put in place to protect your building? You may be turning your homeowners insurance policy, expecting that to cover damages in the event of flooding – but you’ll be disappointed. Standard homeowners insurances don’t provide any flood insurance coverage whatsoever. Due to the extensive damage and destruction flooding can do to a house and belongings, insurers smartly decided to withdraw this coverage, instead setting up flood insurance as a stand-alone policy.

Luckily, your Californian flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. At Integrity First Insurance Services, our flood insurance policy can offer:

  • Building, contents, replacement cost coverage
  • Standard flood insurance coverage
  • Optional excess flood coverage
  • Affordable rates!

Before you rule out any additional coverages, ensure that you select the best policy, at the best price for your home and belongings. Luckily, personal property needn’t be lost forever and your home can be restored without breaking the bank!

Serving the Conejo Valley within California with quality insurance, contact Integrity First Insurance Services, located in Thousand Oaks.

Protecting Yourself Against Uninsured Motorists

How To Protect Yourself Against Uninsured Drivers

Ideally, everyone does what they should. As you know from the parent who did not pick up his or her carpool shift or the coworker who made you miss the deadline, though, that is not the reality in which we live.

In the same way, everyone should carry at least liability insurance to step in and protect you if they cause you or your vehicle damage out on the road. This is not just a moral responsibility; the law requires that drivers carry this type of coverage. The unfortunate fact of the matter is that many people simply break the law and are driving around uninsured.

What can you do? Are you left exposed to financial burden because someone else has not taken the time to secure liability insurance? Fortunately, no! You can safeguard yourself against these types of drivers with uninsured motorist coverage. This type of insurance will step in to pick up the tab if you get into an accident with a driver who is not carrying any type of insurance. You can also get underinsured coverage to protect you when the other driver’s insurance is insufficient to cover your damages.

This all may sound well and good, but you might think you are not willing to pay for extra coverage to protect against someone else’s mistake. The good news is that uninsured motorist coverage is one of the most affordable types of auto insurance out there, making it easy and cheap to fully safeguard yourself and your car out on the road.

Want to learn more about how this type of coverage could step in to safeguard you against irresponsible drivers? Do not wait to contact Integrity First Insurance in Thousand Oaks. We are here to craft the best auto insurance policy for your needs.

What if you Have an Accident with a Driver That Does Not Have Insurance?

When you invest in an auto insurance policy, there are many different coverage options that are available to choose from. One of the most overlooked coverage options is uninsured or underinsured motorist coverage. Even though every state requires a minimum amount of liability for your auto insurance policy, not every driver on the road follows these rules. Having the right uninsured motorist coverage is the best way to ensure that you are not financially devastated if you are involved in an accident with one of these drivers.

When it comes to making sure that you have the right amount of uninsured or underinsured motorist coverage, there are many different factors to consider. Make sure to take into consideration the value of your vehicle and your medical insurance coverage. It is also important to know if your employer provides disability coverage in case you are not able to return to work for a while.

In most cases, uninsured and underinsured motorist coverage provides coverage for any injuries that you sustain in an accident. It may also provide coverage for any damage that is done to your vehicle, as well as injuries that are sustained by any passengers who were in the vehicle at the time of the accident.

For all of your auto insurance needs throughout the Conejo Valley to ensure that you are covered in any situation, contact Integrity First Insurance in Thousand Oaks, California. We will work with your to ensure that you have the right amount of auto insurance coverage for any situation while you are behind the wheel. We have been providing the most comprehensive insurance policies since 1981, and are looking forward to working with you to ensure that you get the right insurance policy at the right price to fit into your budget.


Why do you Need a Personal Umbrella Policy?

Protect your assets!  Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, watercraft  and other personal insurance policies.  This helps prevent you paying out of pocket to cover the cost of a disastrous situation. Typical personal umbrella insurance policies start at $1 million.

Contact the insurance experts at Integrity First Insurance in Thousand Oaks, California for all of your Conejo Valley umbrella insurance needs. We will make sure that you have the right policy to provide protection from any unfortunate situation.

Steps To Prevent Ruptured Pipes From Damaging Your Home

Rust can sometimes rupture pipes causing flooding and devastating damage to your household. Your pipes are the only things between your home and gallons of flowing water so it pays to keep them maintained. Sadly many people fail to maintain their pipes so pipe bursting happens quite often. Here are steps you can take to fix a busted pipe without dropping too much cash.

  1. Shut the water off! Find the water main and shut your water flow off to give your pipe some time to drain before taking the steps to fix it.
  2. Find where the source of the damage and patch it. If there is damage in the main pipe you will need to take extra care to patch it up.
  3. A small burst that isn’t on a main pipe can be fixed with a garden hose clamped tightly over the hole.
  4. For a more advanced fix, cut the portion of the damaged portion of the pipe with a hacksaw and replace it with a new piece.

Integrity First Insurance in Conejo Valley California can help you prevent water damage from costing you thousands. Contact us today to find the coverage that’s right for you.