What Happens if You’re Hit by an Uninsured/Underinsured Driver in California?

Western Republic Insurance Services has essential information regarding uninsured/underinsured motorist coverage if you’re a driver in the Huntington Beach, CA area.

California has some of the most stringent laws in the country regarding protecting drivers from being hit by an uninsured or underinsured driver. If you’re hit by one of these drivers and suffer a severe injury, you may be entitled to compensation.

However, the amount of compensation you receive often depends on the circumstances of your accident and the extent of your injuries. Many people involved in these accidents have to pay out-of-pocket for medical bills and other expenses, even though they were not at fault.

Who is considered an underinsured/uninsured driver?

According to California law, all drivers must show financial responsibility if they are involved in an accident. The most common way to prove financial responsibility is insurance. However, some drivers find ways to skirt the law intentionally or accidentally.

Those who continue to drive with a policy under the legally-required value are considered underinsured. Those who have no form of financial responsibility are considered uninsured.

How will my needs be met if an uninsured/underinsured driver hits me?

Regarding auto insurance in California, your insurance company is obligated to offer you coverage for uninsured/underinsured motorist (UM/UIM) benefits. To turn down that coverage, you would have to sign a waiver stating that you know the risks involved.

UM/UIM coverage pays for your medical expenses and can provide you with replacement costs for your vehicle and its contents. It’s the only sure way to protect yourself in this situation.

Western Republic Insurance Services proudly offers Huntington Beach, CA the right auto insurance coverage at affordable rates. Please get in touch with us today to find out more!

What Should You Know About Auto Insurance?

The purpose of auto insurance is to protect you and your car should there be damage caused by a road accident, vandalism, or catastrophic loss. Car insurance is like a safety net that is all drivers are recommended to have. However, before purchasing a policy, there are certain things you should know about auto insurance. Western Republic Insurance Services serving clients in Huntington Beach, CA prepared a list of some of them: 

Types of Auto Insurance

There are three main types of car insurance, including the following:

  • Liability protection. Covering damages for injuries and property damage. 
  • Collision coverage. It covers damage to your car. 
  • Comprehensive coverage. It pays for the repair or replacement of your vehicle if it was damaged in an incident that is not a collision. 

The Price of Auto Insurance

There are certain factors that determine the cost of car insurance, including the following:

  • Gender, age, and marital status. According to statistics, young male drivers are more likely to get involved in a car accident. Therefore, for them, auto insurance will be more expensive
  • The area you live. If you live in an area with a high crime rate, you will have to pay more for the insurance. 
  • The credit score. Many insurance companies consider the credit score when calculating premiums. Drivers with a high credit score usually pay less for car insurance because statistically, they have fewer accidents. 

Using Your Vehicle For Business

If you decided to use your car for business purposes, you need to talk to your insurance company and get an "endorsement" to your current standard car insurance. 

If you are thinking of insuring your car in Huntington Beach, CA and are looking for a trustworthy insurance agency, Western Republic Insurance Services is ready to assist. We help our clients to find a perfect policy based on their unique needs and requirements. If you have any questions, you are welcome to give us a call at any time. 

which coverages should you focus on when buying an auto insurance for a teenager?

Did you know that your teenager’s auto insurance policy could cost you double what you pay for your own insurance? Well, insurance companies tend to hike insurance rates for new teenage drivers due to many obvious factors. If you are looking to buy insurance for your teenager in Huntington Beach, CA, you can always speak to insurance experts at Western Republic Insurance Services who can guide you on which coverages to buy.

So, which coverages should you focus on when buying insurance for your teenager?

Bodily injury and property damage liability

Teen drivers are usually assumed to be inexperienced. It’s easy to get themselves on the wrong side of the road and law. Overspeeding or driving under influence is also common for teenagers. Therefore, it would be a prudent idea to focus on liability coverage. Keep in mind that driving under influence or over speeding can land your teen into trouble with the law, especially when lawsuits emerge.

Personal injury protection

Personal injury protection is a great coverage to protect your teen and any other passenger in the car from physical harm in case of an accident. It can also cover lost wages if the teenager was working.


Collision coverage can help repair a damaged car due to collision with various objects like stones, trees, fence, poles, or another vehicle. This coverage can be useful for any teenager who is still new in the roads or teenagers who may drive while intoxicated.


Teenagers tend to move and party a lot, which may leave their cars exposed to thieves and other natural elements. This coverage will be an ideal top-up in case your teen’s car is stolen, vandalized, or destroyed by a storm.

If you still need help choosing the packages or the number of premiums, Western Republic Insurance Services is here to help. For more information, quotes, or queries, feel free to call us or visit us at our Huntington Beach, CA offices.

Getting Your Car Prepped For Summer Road Trips: What Huntington Beach Drivers Need To Know

Ready to feel the wind in your hair as you cruise away from your Huntington Beach, CA home on a summer road trip? Before you set out on an adventure, it’s important to make sure that your car is prepared for summer. At Western Republic Insurance Services, we want you to get your car ready for summer drives so that you can enjoy all the fun that the warm months offer. Follow these tips to keep your road trip experience as smooth as the highway ahead. 

– Get a tune-up. Just like you get your car serviced in preparation for the winter months, it’s a smart idea to do the same for summer. Have a mechanic look over your car to advise you of any work that needs to be done before you hit the road. 

– Stash emergency supplies. Make sure you have everything you need in case your car overheats or breaks down, including flares, bottled water, blankets, nonperishable food items, and some cash. 

– Check your tire pressure. As temperatures rise, so does the pressure in your tires. Be sure that your tires aren’t overfilled to ensure that you don’t get stuck on the side of the road with a flat. 

Of course, no matter how well you prepare for a summer road trip, it’s important to expect the unexpected. At Western Republic Insurance Services, serving Huntington Beach, CA, we’re here to help you when things don’t go as planned. Call us or stop in to talk with one of our insurance agents about a car insurance policy that makes sense for your needs. Happy travels this summer!

Who Is Responsible For Damages If Your Car Is Parked At An Apartment Complex?

In Huntington Beach, CA, residents who live in apartments must always be watchful of their vehicles to ensure they are parked safely and their designated spaces. At Western Republic Insurance Services, agents are well aware of the risks associated with parking in apartment parking lots and try to give their clients tips on how to keep their vehicles safe.


Living in a gated complex that requires some type of identification to gain access to the apartments may put some of the liability on the complex itself. This is especially true if the gate is broken. If your car is damaged while at your complex, a police report should be filed and the complex manager notified as soon as possible. It’s also a good idea to find out if other cars were damaged during the same time period. 

Hit And Run

Damaged caused by a collision or a hit and run will be the responsibility of the other driver, especially if your vehicle is parked appropriately. While the apartment complex should be notified, there isn’t much they can do unless the person who hit your vehicle was also a resident. Once a police report has been filed, the police may be able to identify the other driver. Once that happens they can be held responsible for the damages to your vehicle.

If you have any questions about how your insurance handles certain types of accidents or damage, call Western Republic Insurance Services today and schedule an appointment. They are always available to help residents of Huntington Beach, CA find the answers they need.

Traffic Violations That Can Affect Your Auto Insurance

Traffic violations not only cost you in fees and court costs but can also increase insurance premiums as well.  Most traffic violations will become part of your driver record which the insurance company will use to determine the risk of insuring you.  Being listed as a high-risk driver will raise your premium rates and sometimes even reduce your insurance options.  At Western Republic Insurance Services in Huntington Beach, CA, we know the impact that traffic violations can cause.  Some of the traffic violations that can affect your insurance rates include:

  • Parking Tickets – While a few parking tickets will most likely not increase your rates, an excessive amount might catch your insurer’s attention.
  • Speeding Tickets – One speeding ticket may not affect your rates if you attend a defensive driving course as long as the number of miles over the posted speed is low.  Repeated speeding tickets or citations for excessive speed may cause a drastic spike in your rates as speeding plays a significant role in many traffic accidents.
  • Running Red Lights, Failure to Yield, and Improper Passing – These lesser infractions will not cost you as much in fees, but will result in a slight rise in your insurance premiums.  Insurance companies see failure to follow road signals as being a higher risk for an at-fault accident.
  • DUI or DWI – Both DUIs and DWIs are considered severe infractions on your driving record and may not only lead to significantly higher rates but may also result in your policy being canceled.  Once canceled your only options may be more expensive high-risk insurance policies.
  • Reckless Driving – A charge of reckless driving will result in a significant jump in your insurance rates if your insurance company chooses to continue your coverage.  This charge can also result in suspension of your license which will require high-risk insurance when it is time to reinstate.

No matter how big or small, traffic violations will impact your driving record and in turn your insurance premiums.  If you would like more information on how traffic violations can affect your car insurance rates, or need an auto insurance quote, contact Western Republic Insurance Services in Huntington Beach, CA today.

When Should Your Auto Insurance Be Updated?

Did you recently install new rims on your car? Did you spring for a brand new stereo system? Did you choose liability only for your car when you first bought it because it was the cheaper option? Western Republic Insurance Services doesn’t want the people of Huntington Beach, CA to be caught off guard if something happens that isn’t covered by their car insurance. Find out more about how it works, and when you should consider updating your policy. 

Increasing Your Value 

When you increase the value of your car, the cost of what needs to be insured also goes up. Instead of letting those investments be wasted if your car is either stolen or otherwise damaged, you can change your policy to reflect the new value of your car. For the most part, car’s will depreciate in value when driven off the lot, but additions can change that quickly (especially to the driver.) If something does happen, you can start getting everything back to normal that much faster when you have the right policy. 

Facing the Music 

The other reason to update your insurance policy is when you don’t have enough coverage to protect yourself against certain events. For example, most people don’t know what will happen if they’re in a hit and run accident. Many would assume that their cars would be covered, but that might not be the case. If someone hits you in Huntington Beach, CA or if you happen to cause an accident, Western Republic Insurance Services  wants you to be as prepared as possible. We’re ready to talk to you if you want an opinion about current coverage and whether or not it’s enough. Call us for more information to find out more about how we can help. 

On The Hot Spot: What to Do If You Are Confronted with a Raging Roadster.

Californians are known for being laid back and avoiding stress. Though we house the city that has the worst traffic in the United States, (hint: starts with “The” and ends with “Angels” – but in Espanol), we have a separate traffic condition that we can do something about – Road Rage.  Someone cuts you off and you restrain yourself from yelling out of the window in anger. While you are doing the right thing by biting your tongue, the offender takes your grimace and clenched hands on the steering wheel as an affront. They slow down and manage to get behind you. Suddenly you realize they are following you. They are gesturing, shouting and signaling for you to pull over. Your adrenaline starts to pulse through your bloodstream, the light is yellow but you are beginning to see only red.


  • Never engage in the road rage, even peaceful gestures can be misconstrued if the offender is looking for a confrontation.
  • If you feel threatened call the police in a lawful manner. Don’t break the cell phone laws of your state. California law dictates that hand held cell phones are banned for use while driving, People under 18 cannot even use a hands-free cell phone while driving. You do not want to break the law while trying to avoid trouble.
  • Lawfully try to avoid being near the offender in the traffic circle. If you can get away clear, do so you don’t know what the offender may be capable of.
  • If the offender is following you, drive to a precinct.

At  Western Republic Insurance Services you will find answers for all of your insurance needs. We extend beyond automobile coverage and endeavor to provide comprehensive options for your entire insurance responsibility.

Staying Safe When Driving Overseas

Driving abroad carries with it certain restrictions and regulations that you may not be familiar with, however, one thing that does not change between driving in the U.S. and driving overseas is basic safety tips. Once you have researched and clarified specific driving regulations for the area you will be driving in, you should review this basic safety tips that apply overseas as well as in America.


It is necessary to have the appropriate auto insurance when you are driving overseas. Auto insurance is generally provided by the car rental company you will be using while overseas. However, in some countries the required coverage may be minimal. You should review the coverage being offered and make sure you are comfortable with it. If you are not comfortable with it, additional coverage can be purchased.

You should remember that your U.S. auto policy may not cover you abroad. You can speak with Western Republic Insurance Services to find out what types of overseas coverage they offer.


Always keep your passport and driving permits accessible in the event that you have a problem. When proper ID cannot be presented it can raise questions which will complicate your interactions with the authorities overseas.

General Safety

Just as in the U.S. it is important to always use proper safety restraints while driving abroad. If you are traveling with children, it is also important to also make sure that the child is properly restrained according to the laws in the area you will be traveling in.

Never pick up hitchhikers or strangers while driving. This is an unsafe practice no matter what area of the world you are traveling in.

Understand the driving laws in the region and drive slowly enough to give yourself reaction time if the driving regulations are very different from what you are accustomed to.

For more information you can contact Western Republic Insurance Services servicing Huntington Beach, CA.