Additional Auto Insurance Policies for Added Coverage

Posted on January 30, 2026January 13, 2026 by admin

Standard auto insurance provides essential protection for most drivers, but choosing additional policies (endorsements or add-ons), increases coverage when you need it most. Understanding how to reduce out-of-pocket costs and risks can help you feel peace of mind anytime you’re behind the wheel. If you’re located in or near Pasadena, CA, Reinas Insurance Agency Inc. can help you find additional add-ons that are right for you.

Uninsured and Underinsured Motorist Coverage

This coverage protects you if you’re hit by a driver who has little or no insurance to their name. It can also help pay for lost wages, medical expenses, and pain and suffering (depending on your location and existing policy).

Collision and Comprehensive Insurance

If you carry liability-only insurance, adding collision coverage can help pay for damage to your vehicle after an accident (that is your fault) or if you’re involved in a hit-and-run. Comprehensive insurance can protect against non-collision losses, such as animal strikes, fire, hail, theft, and even vandalism.

Medical Payments/Personal Injury Protection (PIP)

Medical payments, or PIP coverage can help pay medical bills for both you and your passengers, regardless of who is found at fault for a recent accident or collision. PIP may also cover rehabilitation costs, depending on state laws.

Roadside Assistance

This add-on to standard insurance helps with everyday issues such as dead batteries, towing, flat tires, and lockouts, but is not often included with traditional policies.

Understanding the benefits of additional auto insurance coverage for added protection is essential, whether you’re a traditional commuter, a collector of classic cars, or if you have a large family. If you’re thinking of adding endorsements or add-ons to existing auto insurance policies and you’re located in or near Pasadena, CA, we can help. For more information and for your quote and consultation, contact Reinas Insurance Agency Inc. today.

Buying Auto Insurance for a New, Used Vehicle

Posted on December 31, 2025December 8, 2025 by admin

When investing in a car, insurance is a critical part of the buying process. It can protect your investment from damages such as theft and vandalism while also ensuring you meet all requirements under liability laws. Buying auto insurance in Pasadena, CA, for a new, used vehicle, takes a bit of careful consideration.

At Reinas Insurance Agency Inc., we work with those who need quality insurance at competitive rates. Here’s what you need to consider.

Auto Coverage to Purchase and Why

In the worst-case scenario, you want to know your auto insurance is enough to cover all of your losses. While you need to meet the requirements for liability insurance required under the law, you also need to consider the following factors:

Lender requirements. If you have a loan on the car, the lender expects you to maintain full coverage, which includes comprehensive and collision damage coverage in addition to liability. It must be at least enough to pay off the loan balance.
Car value. To estimate the car’s value, consider more than the selling price. You may also want to factor in extra features or the need to repair hard-to-find parts. Most often, you should insure your car for at least the value you paid for it to protect your investment.
Depreciation. Consider adding guaranteed asset protection when you first purchase your car. This coverage can help bridge the gap between the car’s actual cash value (ACV) and the remaining loan or lease balance, if the vehicle is totaled or stolen soon after you purchase it.
Risks and use. Talk to your insurance agent about the options available to you to cover risks you have, especially if you plan to use the car for a part-time job.

To get the right level of auto insurance for your vehicle, turn to our team for a consultation. At Reinas Insurance Agency Inc., we offer auto insurance to those in Pasadena, CA, and the surrounding area who need quality coverage at a competitive price that fits their budget.

The Truth About Engine Failure: Is It Covered by Auto Insurance?

Posted on July 31, 2025July 25, 2025 by admin

One in four vehicles will experience engine failure during its lifetime, with older models being the most susceptible. If you’re wondering whether auto insurance covers engine failure in Pasadena, CA, this article will help clarify your options. If you don’t currently have auto insurance, now is the time to avoid fines, penalties, suspensions, and impounds by choosing Reinas Insurance Agency Inc.

Does Auto Insurance Cover Engine Failure?

Whether auto insurance covers engine failure depends on the cause of the failure, your policy coverage, and whether you’re at fault. Typically, your auto insurance policy will cover engine failure caused by an auto accident or similar incidents. However, it will not cover engine failure resulting from wear and tear, poor maintenance, or mechanical breakdowns.

Since California is an at-fault state, it’s essential to have coverage that repairs your engine regardless of who is at fault. Collision coverage is ideal for at-fault accidents, while liability coverage pays for damages to the other driver if you’re at fault. If the other driver is at fault, their liability coverage will pay for your engine failure. Comprehensive coverage protects against engine failure caused by fire, severe weather, theft, vandalism, or animal collisions.

If your policy lacks adequate coverage, you may end up paying out of pocket for expenses. That’s why it’s crucial to visit Reinas Insurance Agency Inc. and speak with one of our agents. We can thoroughly review your policy to ensure your coverage meets your needs.

What Covers Engine Failure from Mechanical Breakdowns, Poor Maintenance, or Wear and Tear?

Mechanical breakdown insurance is designed to cover engine failure caused by mechanical issues. For new vehicles, a manufacturer’s warranty typically covers engine failure; however, this coverage is limited by either time or mileage, whichever comes first. An extended warranty can provide additional coverage once the manufacturer’s warranty expires. However, no insurance policy covers negligence or poor maintenance.

If you’re looking for an insurance provider that offers engine failure coverage, Reinas Insurance Agency Inc. offers several plans. We can also reevaluate your existing auto insurance policy and suggest coverage options to protect against engine failure. Contact or visit our Pasadena, CA office for more information on auto insurance.

Steps to Take If Your Vehicle Was Burned In the Recent Southern California Fires

Posted on February 28, 2025February 26, 2025 by admin

Wildfires can be devastating, causing extensive destruction and uncertainty. If your vehicle was damaged or completely lost due to the recent Southern California fires, you may be wondering what to do next. At Reinas Insurance Agency Inc. in Pasadena, CA, we understand how overwhelming this situation can be, and we’re here to guide you through the recovery process.

Assess the Damage and Ensure Safety

Before inspecting your vehicle, ensure it’s safe to do so. If emergency responders have restricted access to the area, wait until officials confirm it’s safe to return. Once you can inspect your car, take photos of the damage from multiple angles. If the vehicle is completely burned, document the remaining parts, such as the frame or license plate, to assist with your insurance claim.

Contact Your Insurance Provider

Report the loss to your auto insurance company as soon as possible. If you have comprehensive coverage, your policy should cover fire damage. An adjuster will likely need to inspect the vehicle, so providing clear documentation will help expedite the process. Be prepared to give details on the car’s location, when the fire occurred, and any other relevant information.

Explore Your Next Steps

If your car is deemed a total loss, your insurer will determine its value and issue a payout based on your policy terms. If repairs are possible, your provider will guide you through the next steps.

Navigating an insurance claim after a wildfire can be stressful, but you don’t have to do it alone. At Reinas Insurance Agency Inc. in Pasadena, CA, we’re here to help you through every step. Contact us today for guidance and support.

Comprehensive vs Collision Coverage: Which is Better?

Posted on September 30, 2024September 30, 2024 by admin

If you’re contemplating adding extra coverage to your auto insurance, weighing the benefits of comprehensive and collision coverage may be challenging. The critical point isn’t figuring out which is better but determining which aligns best with your driving habits. If you’re uncertain about which coverage to get, our knowledgeable representatives at Reinas Insurance Agency Inc. in Pasadena, CA, are here to help.

Understanding Comprehensive vs. Collision Coverage

Comprehensive insurance covers damage acquired by a vehicle due to unexpected incidents like theft, natural disasters, or fires. The instances covered are generally not included in standard auto insurance policies.

In contrast, collision insurance caters to damage from a car accident involving another driver or object. Collision coverage is typically not bundled into standard insurance plans and must be added separately. It is advantageous when your vehicle suffers significant damage, especially if it’s totaled. With collision coverage, you’re assured of protection and a guaranteed payout for your damaged vehicle.

Which Coverage is More Suitable?

Adding comprehensive and collision coverage enhances your standard auto insurance plan. However, consider your unique circumstances if you need to choose only one. Our agents at Reinas Insurance Agency Inc. in Pasadena, CA, comprehend your needs and are prepared to provide personalized advice to help you make an informed decision. This way, you can feel confident that you’ve chosen appropriate coverage for your vehicle.

Learn More about California Auto Insurance

Bundling collision and comprehensive insurance into your standard auto insurance plan can prove invaluable. Not everyone will require these coverages; you should only consider them if necessary. If you’re struggling to determine which one would suit you best, consider contacting us at Reinas Insurance Agency Inc., either via email or a phone appointment. We’re committed to assisting and guiding you.

Auto Insurance: The Differences Between Comprehensive and Collision Coverage

Posted on April 26, 2024April 23, 2024 by admin

Understanding Auto Insurance: Comprehensive vs. Collision Coverage

Are you considering a new auto insurance policy? There’s no denying the importance of distinguishing comprehensive from collision coverage – crucial knowledge when deciding on car insurance in Pasadena, CA. The expertise from Reinas Insurance Agency Inc. will ensure you understand these differences before making any decision.

What Is Comprehensive Coverage?

Unforeseen incidents taking a toll on your vehicle in Pasadena, CA can entail various scenarios – a tree slamming into your vehicle damaging both interior and exterior being a prime example. In such instances, comprehensive coverage extends the needed auto insurance protection.

What Is Collision Coverage?

Damage to your automobile can result from multiple scenarios, such as a tree fall or vandalism, but standard car collisions are a frequent cause. Collision coverage caters to this eventuality, taking care of damages inflicted during a standard accident.

Comprehensive or Collision Coverage?

When selecting an auto insurance policy, the golden rule is to ensure enough coverage under both comprehensive and collision insurance. Consult with a representative from Reinas Insurance Agency Inc. to gauge the costs vs the value provided by these coverages, considering your car’s worth and condition.

Are you confused about the Best Auto Insurance Policy?

Determining the right car insurance policy for your vehicle in Pasadena, CA, can be daunting. At Reinas Insurance Agency Inc., we are ready to provide you with the needed guidance and assistance throughout your car insurance shopping journey. Contact us today.

Can I Get Away with Only Liability Insurance?

Posted on November 17, 2023November 28, 2023 by admin

If you’ve been a vehicle owner for a while, you’re aware of how expensive full-coverage auto insurance can be in Pasadena, CA. If you like living as frugally as possible, you might be tempted to try to get away with only carrying liability insurance on your vehicle. But is it a good idea? Is it possible? We at Reinas Insurance Agency Inc. are aware of the struggle to pay the high insurance rates in Pasadena, CA. Here is our stance on the probability of getting away with only liability insurance.

Is Your Vehicle Being Financed?

When a bank finances a vehicle for you, full-coverage insurance is almost always required as a condition of the contract. Therefore, you must carry full coverage insurance and not just liability insurance, or your car could get repossessed if the bank finds out.

Do You Drive Frequently?

If your car is fully paid for, yet you drive frequently, attempting to carry only liability insurance isn’t a good idea. While you’re not required to have full coverage insurance on a vehicle that you’re no longer making payments on, if you drive a lot, it’s smart to have. Why? Pasadena CA is a busy area full of many drivers. This increases the likelihood that you might become involved in a car accident, and you want to ensure you’re covered if you are.

We Are Here To Help

As you can see, there are several things that you need to consider before deciding to try to get away with only liability insurance. If you have an older car that you don’t drive much, liability might be the best option. However, if you have a late-model vehicle and you’re still making payments on it, full-coverage insurance is a must. If you need a new insurance provider, contact us at Reinas Insurance Agency Inc. for a quote, and hopefully, we can serve you like we have served so many other customers over the years.

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Category: Auto Insurance