How to Handle a Total Car Loss

Important steps in handling a total loss vehicle claim.   It’s what every motorist dreads to hear – “Your vehicle is a total loss.” Whether you were involved in a significant auto accident and expected the worst, or you bumped into something which damaged an essential component of your vehicle’s integrity, writing your car off can be stressful. To understand what you should do when handing a total loss claim, read on. Locate your vehicle’s title The title is required to process a … [Read more...]

Ways to Turn Stress into Something Positive

How to benefit from feeling stressed.   The COVID-19 pandemic is sure to cause anyone stress. It has changed the way we live our lives and is on every news station, social media outlet, and newspaper. Sometimes, we cannot get away from it. If the pandemic is stressing you out, know that you are not alone. To help turn your excess stress into something positive, here are a few tips.   Exercise Exercise is one of the best things you can do if you are feeling stressed. Physical … [Read more...]

Tips for Small Business to Beat the Pandemic

How small businesses can come out of the pandemic stronger.   It’s hard to remember a tougher start to a new year. A couple of months in and the world ground to a halt with the invasion of Covid-19. It feels a bit surreal but, fortunately, each day brings better news. Even so, small businesses have faced their toughest challenge yet. From social distancing to lockdown, the cash flow to small businesses may have taken a sizeable hit. To help, we’ve rounded up some must-read tips for small … [Read more...]

Does Workers’ Compensation Cover Coronavirus Claims?

COVID-19 and workers’ compensation insurance claims.   As a business owner, you may have suffered a loss during the COVID-19 lockdown. If you were forced to shut your business doors, you may be wondering how you’re going to recover. What’s more, if your employees were infected with the virus, they may be looking for compensation from your business.   Whether workers’ compensation claims related to COVID-19 will be paid is a question to be answered case by case and state by state. … [Read more...]

The Difference Between Personal and Commercial Auto Insurance

What you should know about personal and commercial auto insurance.   For small businesses, the line between what is considered a personal vehicle and a commercial vehicle is often blurry. When a small business uses a vehicle to transport employees, move equipment, or deliver goods, it’s common to assume that a personal auto insurance policy will cover such activity. However, this is simply not the case.   Personal vs Commercial Auto Insurance The main difference between … [Read more...]

Commercial Insurance Policies to Consider as a New Business

Business insurances your small business should consider.   When you start a new business, you need to take out certain business insurance policies – not only to meet legal requirements, but also to protect your newfound venture and hard work. If you don’t, you could be fined heavily and put your entire operation at risk. With dozens of different types of insurance available for businesses, here are just a few of the must-consider policies for small companies.   Business owner’s … [Read more...]

3 Times When You Should Check Your Life Insurance Policy

When you should review your life insurance coverage.   Life insurance protects your family when you are no longer around to help them. However, it can only do this if it’s up to date and in line with your needs. While life may be busy and always hectic, there are key moments in life that call for a life insurance policy review. Here are just a few.   When your family status changes – Whether you’re getting married or having a baby, you’ll want to protect your growing family with … [Read more...]

Fire Damage – What You Need to Know

What you should know about fire damage in the home.   According to the National Fire Protection Association (NFPA), a US fire department responds to a fire every 24 seconds. While we hope that you’re never part of this statistic, it is important to know what to do after a fire has occurred and how your homeowners insurance can help you recover.   Is smoke and fire damage covered by your homeowners insurance? Coverage for smoke and fire damage are both included in a basic … [Read more...]

What You Didn’t Know About Long-Term Care Insurance

The truth about long-term care insurance.   When you think of long-term care insurance, you may not think that the coverage applies to you. However, there are many misconceptions about long-term care insurance that prevent people from getting coverage, when in fact they could benefit from a policy. Take a look at these facts about long-term care insurance that you didn’t know.   You decide where to receive care A common myth about long-term care coverage is that it only … [Read more...]

How Long Can Kids Stay on Their Parents Auto Insurance Policy?

When to take your child off your car insurance policy.   For many teenagers, the cost of buying car insurance on their own may be more than their summer jobs can handle. That’s why many parents add them to the family insurance, where the expense is much less than if a teenager bought his or her own coverage. However, at some point, your children should be taken off your policy and work on getting their own coverage. But when is the right time?   Living arrangements Before … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

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