Commercial Insurance
Protects your business from liability, property damage, and unexpected risks — so you can focus on running it.
Comprehensive solutions
tailored to you
From personal protection to commercial coverage, we've got you covered
We partner with leading insurance carriers to find you the best coverage at competitive rates
FAQs
Find answers to common questions about our insurance services and coverage options.
How much insurance you need depends on your personal situation and budget. Consider what you can afford monthly and how much protection you’d need if there’s an accident, injury, or property loss. While more coverage costs more, having too little could risk losing what you’ve worked hard for.
Bodily Injury Liability
This coverage protects you if you are involved in an accident and you cause physical injury to others.
Property Damage Liability
This coverage protects you if you are involved in an accident and cause damage to someone else's property.
Uninsured Motorists Bodily Injury
This coverage protects you and others in your car for injuries sustained if you are in an accident with an uninsured driver.
Uninsured Motorist Property Damage
This coverage protects your vehicle if you are in an accident with an uninsured driver.
Medical Payments
This coverage pays medical expenses from an accident for either yourself or your passengers, regardless of fault. It can pay for your health coverage deductible. It can pay for emergency services, such as ambulance services, which is often not covered by your health insurance.
Comprehensive
This coverage pays for damages to your vehicle caused by something other than a collision. Some examples are vandalism, theft, and damage due to animals, fire or flood. This coverage pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
Collision
This coverage pays for damages to your vehicle, regardless of fault, when you hit another car or object. This coverage pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
Bodily Injury Liability and Property Damage Liability. This coverage protects you if you are in a collision and cause either physical damage or property damage to someone. It will provide you with a legal defense in case someone sues you because of the accident.
The Department of Motor Vehicle (DMV) may require a SR22. This is a certificate of insurance filed by your agent directly to the Department of Motor Vehicles.
The Department of Motor Vehicle (DMV) may require a SR22 filing if one has had previous insurance violations, suspensions, unsatisfied judgments, or driving under the influence violations.
Notify your agent who will prepare the certificate and forward it to the Department of Motor Vehicles in your behalf. Your agent will let you know what information is required for the preparation of the certificate.
Yes, Cal-West works with many insurance companies who happily provide coverage for new drivers.
Yes, we provide insurance for drivers who possess a valid Mexican matricula.
There are many discounts available to help reduce the costs of insurance premiums. Some of these discounts are related to the driver. Other discounts are related to the type of auto one has.
Examples of discounts relating to drivers are:
- Good Driver Discount
- Defensive Driver Course Discount
- Good Student Discount
- Military Discount
- Professional Group Discounts (Examples include: Teacher's Association, Public Safety Association - Police or Firefighters, Federal Credit Union discount, CSU alumni)Multi-car Policy Discount
Examples of discounts relating to autos are:
- Passive Restraint Systems
- Anti-Theft Devices
- Anti-Lock Brakes
- Day-Time Running Lights
- Air Bags
Ready to protect what matters most?
From auto and home to commercial coverage, Cal-West makes insurance simple. Get expert guidance and dependable service by starting your free personal quote today!