If I Have Health Insurance, Do I Need Uninsured Motorist Coverage?

Do you need uninsured motorist coverage?   Car insurance is something that every motorist needs. While there are a number of different coverages, some are truly optional. One of these confusing coverages is uninsured motorist insurance or UM. Some motorists may wonder if purchasing uninsured motorist coverage is necessary if they already have a health insurance policy in place. To help you decide, here is what you should know.   What is uninsured motorist coverage? Even if you … [Read more...]

Workers’ Compensation Issues for Small Businesses

Overcome workers’ compensation issues.   Small business owners play a significant role in communities across the nation. They have been known to add value to their communities, providing the goods and services that locals need. Business owners know that there are many challenges to face when it comes to operating a small company – one of them being workers’ compensation. It’s an insurance policy that is required by law when you have employees. In this guide, we’ll take a look at some of the … [Read more...]

A Quick Guide to Tire Safety

Top tips for tire safety.   To get the most out of your tires – maximum mileage, safety, and wear – you’ll need to properly maintain them. Your tires are what separates your vehicle from the road, and they’re incredibly important to stay safe on the roads at all times. Fortunately, tire maintenance doesn’t have to be difficult or complicated.   Choose your tires carefully. Too many motorists buy tires based on their price, when it should be about the correct size recommendation … [Read more...]

Most Common Mistakes Businesses Make When Filing a Claim

Avoid making these common business insurance mistakes.   After an incident or disaster, it’s important for businesses to file claims correctly. When business owners fail to file a claim, they risk not getting the full reimbursement or no payment at all. To avoid these troubles, it’s worth knowing what common mistakes business owners make and how to avoid these costly errors when filing a claim.   No. 1: Waiting to make a claim You may be tempted to see if you can get by without … [Read more...]

Why to Update Your Home Inventory After the Holidays

Add your new gifts to your home inventory.   The holidays have just been and gone. Before you put your new gifts away in their new homes, it’s a good idea to consider your home inventory. Your home inventory is a list of your belongings that work with your insurance to make sure all your possessions are covered. If you forget to add your new belongings to your inventory, then your insurer may not be able to replace them if they are damaged or lost due to a peril.   If you already … [Read more...]

What You Didn’t Know About Life Insurance

Here’s what you should understand about life insurance coverage.    Life insurance is a policy that many people can benefit from, but that many overlook. It can seem like a daunting and confusing type of policy to purchase, which is why many forget about securing it. Fortunately, we have got the low-down on what you need to know, helping you to understand more about life insurance so you can find the right coverage.   There are different types of life insurance. In addition … [Read more...]

Is Car Insurance Cheaper with a Dashcam?

Should you get a dashcam to save on auto insurance? These days, it’s normal to see motorists recording their drive through dashcam. These small cameras are designed to capture what is going on around the vehicle and can be used as evidence if an accident or claim arises. Dashcams make life easier for car insurance companies as they simplify the claims investigation process. After all, a dashcam video provides a more reliable account of what happened rather than drivers or passengers. At the … [Read more...]

Roadside Assistance: Do I Really Need It?

Determine if you could benefit from roadside assistance. Being stranded roadside with mechanical problems or because of an accident is naturally a dreaded experience. Especially in the cold winter, breaking down can be a frightening experience until a reliable professional arrives to bring you and your vehicle back to safety. Roadside assistance is there for you when you need it the most. Do you have it? Usually, roadside assistance is not a question of “if” you will ever need it. For most … [Read more...]

Holiday Party Essentials: Liquor Liability Insurance

Is your business throwing a holiday party? Make sure you’re covered.  If you’re looking to celebrate the festive season with your team, you should take steps to protect your employees and business. Holiday parties are a great opportunity to celebrate your accomplishments, show appreciation towards your staff, and enjoy the festivities. However, supplying your employees and guests with alcohol at holiday events comes with unique business risks that you should consider. Prevent liquor … [Read more...]

Auto Insurance Claims That May Not Impact Your Premium

Making a car insurance claim without raising your premium.   You buy car insurance to protect your vehicle and pocket. When an accident happens, it’s often best to file a claim so that you receive compensation and assistance in getting back on the road. While most motorists associate filing a claim with a premium increase, this isn’t always the case. When it comes to rate hikes, not all claims are created equally. Some claims may raise your rates slightly, some may make your premium shoot … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

(925) 945-6161 | Phone
(925) 256-7610 | Fax