Insurance: “The Garagefathers will make you an offer you can’t refuse!”
We are an Independent Agency with access to many carriers and will do the shopping for you. Our goal is to find you the best package at the most affordable rates. Let us supercharge your insurance.
Garagefathers Insurance’s dedication has become legendary in a world of inadequacies, because a love of vehicles and their owners makes amazing service easy.
The Garagefathers are here for YOU and your favorite set of wheels. We understand how much work goes into personalizing your vehicle and we will put just as much work into customizing a policy that fits your needs. There are many pitfalls you can run into when making insurance decisions. Let us evaluate your current policy. We will explain your coverage, in a way that it is easy to understand, and confirm you are not overpaying. We treat everyone like family and give you the inside track on things your agent doesn’t want you to know. We are dedicated to bringing integrity and honesty back to the insurance industry and we are focused on YOUR best interest, not our own.
Whether you are looking to purchase insurance or simply trying to understand the insurance you currently have, the links below provide guidance to help you make the right decision for your situation. Insurance can be one of the most important ongoing purchases you make to protect yourself and your family from financial hardship.
The best rates and service for insurance is our priority for our clients. Our Agency serves all of California. We are in the business of helping people. We help consumers save money, we help businesses reduce risk and we help families protect and preserve their financial future.
Classic Car Insurance / Automobile Insurance
You love your classic car. You put countless hours in finding just the right parts to get it set up perfectly. Have you found an agent that is willing to put in as much work to protect your investment? Automobile insurance is a way to protect yourself and your vehicle in case of an accident. California law also requires that owners and operators of automobiles comply with the financial responsibility laws, so don’t leave home without us.
Motorsports (Toys) Insurance
At Garagefathers, we care about more than just classic cars. We insure all types of motorized fun. Whether it be for your dirt bike, motorhome, or trike, Garagefathers has a policy for your side by side, and your dirt ride. From campers to glampers, Garagefathers has gotcha covered.
Property Insurance
Whether you are interested in purchasing, reviewing, or replacing homeowners, renters, condominium, or mobile home insurance, it is important to shop insurance products just like you would when shopping for any other important consumer purchase. Since residential insurance often protects your largest financial investment. Garagefathers has researched numerous companies to bring you the best value.
Workers Compensation Insurance
At Garagefathers, we care about more than just classic cars. We insure all types of motorized fun. Whether it be for your dirt bike, motorhome, or trike, Garagefathers has a policy for your side by side, and your dirt ride. From campers to glampers, Garagefathers has gotcha covered.
Life Insurance
Garagefathers Insurance is partnering with Ethos to help protect the people you love. With Ethos, it’s easy to apply for a plan that protects the people you care about most.
See your options – Before you apply, get an instant, personalized quote with multiple coverage plans to choose from.
Apply in minutes – Apply online after you choose your plan. It’s simple, straightforward, and only takes about 10 minutes.
Get covered – You’ll receive a final decision once our underwriters have reviewed your application. Our licensed agents will reach out and help activate your policy.
Whether you are insuring your hot rod, classic, daily driver, boat, home or business, the Garagefathers has you covered. You’ll sleep like a baby, knowing the Garagefathers support team is here, working hard to protect you and your investments.
Workers Compensation Info
Workers Compensation
Protect yourself, your employees and your pocketbook by allowing Garagefathers to provide you with low cost options for workers compensation.
Since almost every working Californian is protected by Workers’ Compensation benefits, it is important that employers and employees alike have an understanding of Workers’ Compensation insurance and how it works.
The Division of Workers’ Compensation (DWC) monitors the administration of workers’ compensation claims, and provides administrative and judicial services to assist in resolving disputes that arise in connection with claims for workers’ compensation benefits.
DWC’s mission is to minimize the adverse impact of work-related injuries on California employees and employers.
The California Department of Insurance (CDI) provides several tools to help employers who are shopping for workers’ compensation insurance or experiencing rating or underwriting problems.
What Benefits Are Available in a Workers’ Compensation Policy?
Depending on the circumstances of the injury or illness, injured workers are entitled to specific benefits as structured by workers’ compensation insurance. There are five basic types of workers’ compensation benefits that include medical care, temporary disability benefits, permanent disability benefits, supplemental job displacement benefits, and death benefits. Injured workers may be entitled to one or more of these benefits:
- Medical Care
- First Aid Treatment
- Temporary Disability
- Permanent Disability
- Supplemental Job Displacement Benefit
- Return-to-Work Supplement Program
- Death Benefits
Garagefathers can help with all your Workers Compensation Insurance needs!
Vehicle Insurance Requirements
While other insurance companies put the laim in claim, Garagefathers is busy putting the assurance in insurance.
From the high winder, to the low riders; from the flat heads to the lead sleds, whether you’re into race cars or mopars, Garagefathers is your one stop shop to insure your automotive needs.
Auto Insurance
The Garagefathers are here for YOU and your favorite set of wheels. We are ready to make sure your prized possession is protected the way you want it to be protected. Whether we insure you or not, let us help! There are way too many pitfalls you can run into when making insurance decisions. Let us evaluate your current coverage, show you what you have, and see if you are paying a fair price for your current coverage. We treat everyone like family and give you the inside track on things most agents don’t like to tell you about. You see, we are dedicated to bringing integrity and honesty back into the insurance field. We are focused on your bottom line, not our own.
Garagefathers Insurance is committed to restoring an outstanding level of service that has become obsolete in our industry. Custom-tailored policies will maximize coverage for every customer dollar spent. Garagefathers Insurance’s dedication is sure to become legendary in a world of inadequacies, because a love of vehicles and their owners makes amazing service easy.
Types of Auto Insurance
Every state requires drivers to have auto insurance. If you don’t have insurance, you must have financial responsibility waivers. These waivers ensure that you can pay for property damages or medical expenses. There are several components that can make up your insurance policy:
- Liability coverage protects you if you are at fault for a collision. It pays for medical expenses and vehicle damage for the other driver and passengers.
- Uninsured motorist coverage pays for damages to your car and medical expenses if an uninsured driver hits your car.
- Collision coverage pays to repair your vehicle, if you were at fault for the damage.
- Underinsured motorist coverage pays damages for your car if someone hits it, but their insurance can’t pay for your car damages.
- Comprehensive coverage pays for damage to your car due to theft, fire, or falling objects.
Auto insurance helps pay for the injuries and damage that can happen when you own and drive a car or other motor vehicle. Your motor vehicle may be an auto, truck, van, motorcycle, or another kind of private passenger vehicle.
California Law
You must show financial responsibility for any vehicle that you own, in case of injury to other people or damage to their property. Most people show financial responsibility by buying auto liability insurance. California law states,
“All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.”
If you do not have auto liability insurance, you can be fined, your license may be suspended, and your vehicle could be impounded.
Your Auto Policy
Your auto insurance policy is a contract between you and your insurance company. It explains:
- Types of Auto Insurance
- Your coverages—the different things your policy covers
- Your exclusions—the things your policy does not cover
Compare Policies
Auto policies can vary a lot. Discuss your insurance needs openly with your agent, broker, or insurance company. They can help you, but it is your responsibility to choose the insurance that is best for you.
You should always get several quotes. A quote is an estimate of your premium cost. Compare quotes before you buy a policy.
Know Your Policy
It is important to be familiar with your auto policy before you need it. Read it carefully. The Declarations page is a useful summary of your policy.
- Call your agent, broker, or insurance company if you do not understand something in your policy.
- Tell your agent, broker, or insurance company if you sell or buy a car or have new drivers in your household.
- Read your policy before you allow others to drive your car. Some drivers might be excluded from your policy. This means that the policy will not cover accidents when they are driving.
Property Insurance Info: “The best rates and service for insurance is our priority for GF clients.”
Custom-tailored policies will maximize coverage for every customer dollar spent.
Property Insurance
Property insurance is a broad term for a series of policies that provide either property protection coverage or liability coverage for property owners.
Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in case there is damage or theft—and to a person other than the owner or renter if that person is injured on the property.
Property insurance can include a number of policies, such as homeowners insurance, renters insurance, flood insurance, and earthquake insurance. Personal property is usually covered by a homeowners or renters policy. The exception is personal property that is very high value and expensive—this is usually covered by purchasing an addition to the policy called a “rider.” If there’s a claim, the property insurance policy will either reimburse the policyholder for the actual value of the damage or the replacement cost to fix the problem.
How Property Insurance Works
Perils covered by property insurance typically include select weather-related afflictions, including damage caused by fire, smoke, wind, hail, the impact of snow and ice, lightning, and more.
Property insurance also protects against vandalism and theft, covering the structure and its contents. Property insurance also provides liability coverage in case someone other than the property owner or renter is injured while on the property and decides to sue.
Property insurance policies normally exclude damage that results from a variety of events, including tsunamis, floods, drain and sewer backups, seeping groundwater, standing water, and a number of other sources of water.
Mold is usually not covered, nor is the damage from an earthquake. In addition, most policies will not cover extreme circumstances, such as nuclear events, acts of war or terrorism.
Motorsports Insurance Info: “Let GF talk to you about insurance tailored for motorsports enthusiasts.”
We are all interested in the future, for that is where you and I are going to spend the rest of our lives.
High performance driver education enthusiasts, amateur racers, classic car owners, professional race teams, associations and clubs, we’ve got you covered.
Garagefather’s team of professionals have considerable experience in the motorsports industry,. We have a extensive understanding of your insurance needs and the risks you face. Our center of attention is on delivering high-quality service and finding a solution that keeps you on your path.
All Terrain Vehicle Insurance
All-Terrain Vehicle (quad bike, three-wheeler, four-track, four-wheeler, or quadricycle) insurance provides financial protection against physical damage and/or bodily injury resulting from collisions and against liability that could also arise from the use or storage of your ATV.
We provide insurance for a number of vehicles that fall under the category of all-terrain vehicles.
Personal Watercraft (PWCs)
A personal watercraft (PWC), also called a water scooter, and comically a boatercycle, is a recreational watercraft that the rider sits or stands on, rather than inside of, as in a boat.
We provide insurance for a number of vehicles that fall under the category of all watercraft vehicles.
- Classic Cars
- RVs
- Motorcycles
- Side Cars
- ATVs
- Dune Buggies
- Dirt Bikes
- Quads
- Boat
- Waverunner
- Jet Ski
Motorsports Quote
Motorsports / Toy Quote
Testimonials: “Here’s how our clients are gauging our performance.”
Some people are born into wonderful families. Others have to find or create them.
"When our teenage son got his license, we knew we needed to change our out insurance company. I called Kenny Munyon at Garagefathers Insurance. After going over our current coverage and asking the right questions, he was able to add our son to our new policy AND get us more coverage, while still making the same monthly payments. The whole process took about 15 minutes, my time and the transition was seamless. I highly recommend working with Garagefathers Insurance for all your insurance needs." - Amy Jo L.
"I had such a fun experience at the Garagefathers! I’ve never seen any insurance companies like this before, that brings you back to a time with style and class. I enjoyed the friendly customer service and how thorough they were in finding me the best policy that works for my family and my needs. The uniforms are the cherry on the top of the entire experience!, Thanks Garagefathers!" - Heather S.
"I highly recommend Kenny at Garagethathers Insurance! He saved me a lot of money on my two vehicles@! A great business and even greater people! Kenny goes out of his way to give the best service and provide the best rates. Really happy I switched! A few days after switching over, I received a very kind handwritten letter from Kenny and Tom. Sent via USPS even." - Jeff G.
Insurance Information
"I’m not perfect, just insured."
Glossary: “I have good brakes, do you have good insurance?”
Glossary Terms and Definitions
A licensed individual or organization authorized to sell and service insurance policies for an insurance company.
A physician who may be selected by the parties, when an injured worker is represented by an attorney, to assess any disputed medical-legal issues.
A short-term agreement that provides temporary insurance coverage until the policy can be issued or delivered.
A licensed individual or organization who sells and services insurance policies on behalf of the insured employer.
A licensed individual can act as an agent representing one or more insurers, and also as a broker dealing with one or more insurers representing the insured employer’s interests.
The termination of an in-force insurance contract by either the insured or the insurer before its normal expiration date.
Notice to an insurance company that a loss has occurred that may be covered under the terms and conditions of the policy.
The person who evaluates the damage caused by a covered loss and determines the amount to be paid under the policy terms.
Insurance coverages for businesses, commercial institutions, and professional organizations, as contrasted with personal insurance.
A portion of the policy premium that is paid to an agent by the insurance company as compensation for the agent's work
The portion of an insurance contract that sets forth the rights and duties of the insured and the insurer.
The portion of an insurance contract that sets forth the rights and duties of the insured and the insurer.
Protection that is provided under an insurance policy.
Usually, the first page of an insurance policy contains the full legal name of the insurance company, the policy number, effective and expiration dates, the premium payable, the amount and types of coverage, and the deductibles.
Some kinds of coverage have deductibles. A deductible is the amount of loss which the insured is responsible to pay. You usually pay a lower premium if you choose a higher deductible. Example: Let’s say that your Comprehensive coverage has a $500 deductible. If a storm causes $1,500 of damage to your car, you must pay the first $500. Then your Comprehensive coverage pays the rest-$1,000.
In workers' compensation, an employer may be liable two ways to an employee who incurs bodily harm on the job as a result of using a product or service produced by that employer. The employee is eligible for workers' compensation benefits and may also sue the employer because of the defectiveness of the injuring product or service.
The portion of the policy premium paid by an insured has been allocated to the insurance company's loss experience, expenses, and profit year-to-date.
The starting date of an insurance policy; the date the policy goes into force. Endorsement "Endorsement" or "endorsement form" means a form, agreement, or document that amends adds to, subtracts from, supplements, or revises a policy form and is attached to a policy form to be effective.
A contractual provision in an insurance policy that denies or restricts coverage for certain perils, persons, property, or locations.
A rating factor, which is expressed as a percentage that is used to adjust the workers' compensation policy of qualifying employers. An experience modification compares the loss or claims history of the insured employer to all other employers in the same industry that are similar in size. Generally, an experience modification of less than 100% reflects better-than-average experience, and an experience modification of more than 100% reflects worse-than-average experience.
The termination date of coverage is indicated on an insurance policy. First Party The policyholder (insured) in an insurance contract.
A cancellation that takes place on the policy effective date. No premium charge is made; however, other charges (i.e. service) may apply.
An intentionally deceptive act committed to obtain an unfair or unlawful advantage. Fraud usually involves monetary gain
The number of times a loss occurs.
A circumstance that increases the likelihood or potential severity of a loss.
In a property and casualty contract, the objective is to restore an insured to the same financial position after the loss that the insured had prior to the loss. In the most basic sense, indemnity is compensation for a loss.
A person or organization that provides claims adjusting services to different insurers on a contract basis.
A method of shifting risk from a person, business, or organization to an insurance company in exchange for the payment of premium. The insurance company commits to be responsible for covered losses. The insurance policy is generally an integrated contract, meaning that it includes all forms associated with the agreement between the insured and insurer.
When you’re reading an insurance policy, you’re bound to come across the word ‘insured’ (way) more than once and it’s important to know what it means – because it’s you! The policyholder(s) entitled to coverage under an insurance policy. ‘Insured’ is used to describe the person who is covered under an insurance policy.
The insurance company that issues insurance and agrees to pay for losses and provide covered benefits. The insurance company that issues a particular insurance policy to an insured. In case of very large risk, several insurance companies may combine to issue one policy.
A rating modification (either decrease or increase) that is based on the underwriter's experience, best judgment, and analysis in classifying and underwriting
In property and casualty insurance, a lapse is the termination of a policy because of a failure to pay a premium when due. A lapse means a life insurance policy is no longer an active contract due to missed premium payments. A life insurance policy will lapse when both premium payments are missed and cash surrender value is exhausted if it is a permanent life insurance policy. Most policies can be reinstated after a lapse.
Coverage for a policyholder's legal liability resulting from injuries to other persons or property damage. Liability insurance is a part of the general insurance system of risk financing to protect the purchaser from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
An insurance license allows a person to solicit and sell insurance products. The license is issued by the state insurance commissioner in the state where you intend to solicit and sell insurance and is separated into different insurance types, including life and disability, health, auto or worker's compensation.
Each kind of coverage has its own limits. The limit is the total amount the insurance company will pay for a single accident or claim. The insurance company will not pay any costs above the limits. Example: Let’s say that your auto liability coverage has a $50,000/$100,000 limit on the bodily injury for one accident. In this case, your insurance will not pay more than $50,000 for one person. It will not pay more than $100,000 for one accident.
An agent contractually authorized by an insurance company to manage all or part of the insurer's business activities. An MGA can manage the marketing, underwriting, policy issuance, premium collection, appointing and supervision of other agents, claims payments, and reinsurance negotiations of an insurance company.
A factual falsification made in such a manner that the insurance company would have refused to insure the risk if the truth had been known at policy issuance.
An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote.
Failure by the policyholder to pay the premium on a policy or pay the installment premium payments due on a policy.
Car insurance nonrenewal is a situation in which your car insurance company has chosen not to renew your policy at the end of its term. A nonrenewal may feel a little jarring, and you'll most likely need to get coverage from another insurer, but your rates won't necessarily increase as a result.
Occupational accident insurance coverage provides benefits to employees injured or killed in a job-related accident. Occupational accident insurance is an alternative way to fund the employer's obligation to the employee.
An illness contracted as a result of employment-related exposures and conditions. An occupational disease is covered under workers' compensation and employers' liability insurance. Both cover claims for bodily injury by disease.
Occupational accident insurance coverage provides benefits to employees injured or killed in a job-related accident. Occupational accident insurance is an alternative way to fund the employer's obligation to the employee.
A liability insurance policy that covers claims arising out of occurrences that take place during the policy period, regardless of when the claim is filed.
Insurance wrote on the personal and real property of an individual (or individuals) to include such policies as homeowners' insurance and personal auto insurance, as contrasted with commercial lines.
In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
A premium is an amount you pay to the insurance company to buy your auto policy. The premium covers the term or length of the policy. The term can vary from one month to one year. Most insurance companies allow you to pay the premium in installments. Ask if there is an extra fee for doing this.
An insurance producer is someone who has the proper licensing to sell insurance within a particular state. The term "insurance producer" is interchangeable with "insurance agent" and "insurance representative." Insurance producers sell insurance products on behalf of insurance companies.
Cancellation of a policy by an insurance company that returns the unearned premium to the policyholder (the portion of the premium for the remaining time period that the policy will not be in force).
Policy provisions are clauses in an insurance contract that layout the exact conditions for which coverage is provided and for what amounts, along with exclusions and other restrictions.
Appointed and regulated by the DWC's Medical Unit, a QME assesses an injured worker's permanent impairment and limitations and evaluates a wide variety of disputed medical-legal issues. Often, a QME performs a separate medical evaluation when the treating physician's assessment is disputed.
An insurance quote is an estimate of what your rate could be with a potential insurance carrier. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate your insurance quote.
Requirements developed by the CDI that implement laws passed by the legislature. Regulations go through a public comment process and must be approved by the state Office of Administrative Law.
If an insured person fails to pay the premium due to various circumstances and as a result, the insurance policy gets terminated, then the insurance coverage can be renewed. This process of putting the insurance policy back after a lapse is known as reinstatement.
The continuation of an insurance policy (offer of renewal) into a new term from the same insurance company that issued the existing policy. Schedules for Rating Permanent Disabilities. The schedules are used to determine the percentage of permanent disability of an injured worker.
A method of pricing property and liability insurance. Schedule Rating uses debits and credits to modify a base rate figured by the special characteristics of the risk exposure. Insurers develop Schedule Rating because actuarial experience shows a direct relationship between certain physical characteristics and the possibility of loss. Most schedule rating plans must be filed and approved by the CDI.
Any insurance company, that provides insurance to a buyer is called the second party. The service provider or insurance company is known as the second party. For instance, someone else drives your car and damages a person or property then third-party insurance comes into the picture for compensation.
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