MAPFRE becomes an insurer approved to offer gap coverage for rideshare!
The Department of Insurance has formally approved a filing by San Ramon-based MAPFRE to begin offering gap coverage for rideshare drivers. As a result, the Bay Area’s largest private passenger and commercial automobile insurer says it begin offering gap coverage starting May 1, 2017.
“As a market leader in auto insurance, MAPFRE is committed to providing our customers with innovative products that fit their full lives and evolving needs,” said John Kelly, Senior Vice President, Northeast Region.
“With the growth of ridesharing activity across the state, we know thousands of drivers for companies like Uber and Lyft need appropriate protection. Guided by the leadership of the Governor and Legislature, MAPFRE is proud to be among the first carriers in the Commonwealth to offer an auto insurance endorsement that will help close a potential gap in the coverage available for Transportation Network Company drivers without appropriate coverage. We encourage our customers and agents to discuss this new coverage feature with customers who are active ridesharers.”
With this announcement, MAPFRE becomes a top 3 insurer in California to offer this type of gap coverage to drivers of rideshare companies like Uber and Lyft.
MAPFRE made the formal announcement of this new coverage following the implementation of legislation with respect to the type of coverage rideshare companies and drivers must carry for vehicles used in this capacity. According to Mapfre, the new endorsement “…offers critical coverage to drivers when they turn on a rideshare app and provides protection until they accept a passenger request.”
Our Tracy Team
Together along side other reputable insurance carriers, our team is able to provide you unsurpassed service and choice with all your insurance needs. Call or email us today!
To ensure a poorly maintained vehicle doesn’t contribute to an accident, our carrier partner, National General Insurance, put together a few ways you can keep your cars in top condition. Feel free to share this information with your loved ones!
According to the National Highway and Traffic Safety Administration, 9% of all car crashes in the United States were preceded by some sort of issue with the tires of the vehicle (e.g. tread separation, under-inflation, or blowouts). Properly maintained tires improve gas mileage, stopping ability and handling of the vehicle.
Check the air pressure in your tires (including the spare) at least once a month. This will also give you the chance to check for cracks in the sidewall and the amount of tread on the tires. Rotate your tires every 6,000 miles, or as often as the vehicle’s manufacturer recommends. A periodic alignment of the tires will ensure even wear and extend the life of your tires. Check your owner’s manual for specific information about tire pressure, rotation and alignment.
Fewer accidents are completely attributed to failure or degradation of brakes than tires, but poorly maintained brakes still contribute to thousands of accidents every year. When brake pads wear down too far, they can damage the rotors, leading to costly repairs and possible brake failure. Inspect the pads and rotors for wear annually. Take your vehicle in for repairs if you start hearing squeaking or scraping, your vehicle veers to one side or the brake pedal pulses when braking. These are signs of worn brakes and will lead to diminished braking capability.
Windows and lights
Clear visibility gives you the extra time needed to react in an emergency situation. Keep your windows (both inside and outside), mirrors and lights clear of obstructions and as clean as possible. Try to walk around your car once a month to check that all of your lights still work. You should also change your wiper blades every six months, earlier if they begin streaking. If you are having trouble seeing the road at night, there is a possibility that your headlights are out of alignment. Luckily, this is generally a cheap and easy fix.
A fluid leak can cause the steering wheel or brakes to stop working or even cause the entire engine to suddenly lock up or overheat. Check the following fluids to keep a vehicle running smoothly and prevent an unexpected mechanical failure while on the road:
Engine Oil – Check once a month – Contrary to popular belief, most modern vehicles don’t require an oil change every 3,000 miles. Check the owner’s manual for the recommended frequency. Because oil lubricates all of the moving parts of the engine, if not changed at the recommended interval, the engine could seize and cause catastrophic damage.
Brake Fluid – Check during oil change – Typically needs to be changed every two years. If there is a sudden drop in brake fluid levels from a leak, the brakes will no longer work. If unchanged for a long period of time, the entire braking system could be damaged from rust, overheating or corrosion.
Power Steering Fluid – Check once a month – Check the owner’s manual, but most models do not require power steering fluid be replaced, but a leak can cause the steering wheel to stop responding.
Coolant – Check twice a year – Generally needs to be changed every two to three years. Coolant keeps a car from overheating during the warmer months and freezing during the colder months. Never check coolant levels when the engine is hot.
Transmission Fluid – Check once a month – Transmission fluid should be changed according to the manufacturer’s guidelines. Transmission fluid will only be low if there is a leak and should be taken to a mechanic immediately if low in order to prevent damage to the transmission.
In addition to preventing potential accidents, routine maintenance will save thousands in expensive repairs. If your are ever involved in an accident, TCS Insurance’s team will guide you through the entire claim process and help get you back on the road as soon as possible.
Anniversaries, birthday celebrations, graduation parties, and weddings – these are all special events that celebrate important moments in a person’s life. Planning such an event often involves a lot of time, money, and effort, all in the hopes that everything goes as expected.
Your policy can even help you recover some of the costs if a key vendor of your wedding, such as the caterer, florist, or photographer fails to show up. Additional options for your Special Event Insurance are available and can include coverage for:
Gowns and tuxedos
Theft or damage to gifts
Extended coverage for honeymoon cancellation
Professional counseling if the cancellation of the event causes severe emotional distress
Ensuring that your wedding is protected is an important part of planning for it. Since Special Event Insurance is designed on an individual basis, it’s important to discuss your specific insurance needs with a professional. Contact TCS Insurance Brokers, Inc. today to learn more.
What is included in TCS Insurance event insurance policies?
General Liability coverage starting at $1,000,000 to protect yourself in case a guest is injured or causes damage to property.
Free host liquor liability included on every policy (unless you choose to remove it) and affordable retail liquor available if your selling liquor at your event.
Unlimited Additional Insureds
All of our policies offer unlimited additional insureds (certificates of liability insurance) for free.
Primary Wording (Waiver of Subrogation)
We offer Primary wording as an endorsement to our policy for a small additional premium.
If you have a daughter or know of someone that has a daughter, it is very likely that there will be a Quinceañera (15) or Sweet 16 celebration for that sweet child. Cost can become astronomical for a custom celebration but getting there doesn’t have to be such a hassle. I can show you how to start putting money away into a Whole Life policy that pays you back and when the times comes you can take out Cash without paying taxes!
Let’s think beyond the celebration and into retirement. What if you could guaranteed your child’s retirement income? With as little as $40 a month for only a limited amount of years, you can do that! The soon the better.
Benefits: Tax Free Cash Accumulation, Guaranteed Insurability & a Benefit to loved ones for the unexpected. – With Dividend Paying life insurance you can finance your own future without the risk that the stock market brings!
Life & Retirement Products Offered: Whole Life, Term Life, Annuity, IRA, 401K Roll Overs & Long Term Care Insurance
Call or email me to set up a free consultation at your convenience.
We now offer in house Vehicle Registration services along with our full array of auto insurance options for your convenience. Stop right in and Get Auto Insurance, Transfer a Title, Renew Your Tags, Report a Non-Op, Get a Duplicate Title or Update Your Registration Information without waiting in a looooong DMV line ever again!
Welcome to TCS Insurance
894 W. 11th. St., Tracy, CA 95376 – (209)207-0577
Get the fast and reliable service your deserve with a smile.
Our Registration Services include:
Transfer of Title
Revive Junk & Non-Resident Salvage
Commercial Auto Transactions
Anything vehicle related……..
Stop by or call ahead! – (209)207-0577
(If you are already a client, you get preferred service and attention. Many times your paperwork is already ready for pick up! Talk to Karina or Domingo today.)
All too often we hear other insurance agencies say that their clients only buy on price & that their client’s don’tcare about value let alone coverage. – Here at TCS Insurance Brokers we don’t believe that one bit! We know that by providing real advise and by building a good relationship with our clients we have a winning combination. When our clients listen to our advise they pick the rigth carrier and coverage for their unique need. Beyond the great advise we provide we are there when it is time to submit a claim. Our great service and knowledge is what sets us apart from the rest.
Below are four reasons Bay Area & Tracy consumers choose us!
Tired of Paying So Much for your Homeowners Insurance?
We can help! We work with top rated insurance carriers that want to insure your Central Valley Home. Companies like MetLife, Travelers, American Modern, Pacific Specialty, Mapfre, Safeco, Hartford, Golden Bear and Fidelity/Stillwater are looking to offer you the lowest rates available. Work with us and we will beat the current Home Insurance rate that you are currently paying! (of course without lowering or removing any coverage)
TCS Insurance Brokers works for YOU!
As a full service independent insurance agency providing Insurance Services in California. We work for YOU! We partner with a selected group of financially sound, reputable insurance carriers to give you the best service, coverage and pricing available. Call us at (209) 207-0577 & find out why we are named Total Client Satisfaction Insurance Brokers!
We write insurance on Autos, Homes, Small Business, Work Comp & Insurance Bonds too!
New Driver & Young Driver Discounts
New Home Discounts
Educated Worker Discount
Association Discounts for people who work in Engineering, Medical, Law Enforcement, Education, Science, Veterinary, Dentist and lots more!
Better Car Replacement
100 Mile Towing
No Broker Fees
Quote & Buy Online, over the Phone or in Our Local Office
(209) 207-0577 – Hablamos Español
Auto Insurance – Just keep your eyes on the road. We’ve got you covered.
The freedom of the open road comes with the possibility that we might encounter a few bumps along the way. We all need to carry the right coverage to protect ourselves. TCS Insurance Brokers makes it easy to find just the right level of coverage for you, so you can go back to live life.
Home Insurance Products – Protect the place that protects your family
Whether you live in a house, condo or apartment, TCS Insurance Brokers offers a variety of ways to protect the place you and your loved ones call home. With the help from TCS Insurance Brokers, you can combine your home, auto and umbrella policies under one roof for comprehensive coverage at the best rates or with multiple carriers and still get the best deal. – The choice is always yours!
You make your house a home. We as insurance professionals, make sure it’s protected. With your homeowner’s insurance policy through us, you can rest assured your home and its contents are protected to the fullest. You can protect yourself in the event that you’re held responsible for accidents on your property. Choose your own options or let us help you, but sleep soundly knowing we’re there when you need us.
Dwelling Fire Insurance
Dwelling fire insurance provides you with the protection you need for your tenant-occupied properties. We are here to make sure you enjoy just the right amount of coverage at just the right price.
Whether it’s your weekend getaway, your rental condominium or your full-time residence, your condo and the belongings inside need protection, too. We offer great rates on wall-to-wall coverage for your little piece of paradise.
Today, more and more people are renting, and for longer periods. Don’t be one of the many renters who forget the crucial need to insure their belongings against theft, fire and other forms of damage. It’s a remarkably inexpensive form of insurance, but the peace of mind is priceless.
Earthquake insurance is vital when you live in an area where such a catastrophe is a possibility. In fact, all 50 states in the U.S. have experienced an earthquake in the past and have the potential for another, so this coverage is something everyone should consider.
Umbrella Insurance – Saves you on a rainy day
The extra personal liability protection offered through umbrella insurance kicks in when you need more liability coverage than your underlying home or auto insurance policies provide. When you have a lot to lose, the affordable protection provided through an umbrella policy is a very smart choice.
It might start with a pool party at your place. Someone slips and gets hurt. Unfortunately, they decide to sue. And they’re out to get much more than your homeowner’s insurance policy will cover. In today’s world of multi-million dollar settlements, additional liability coverage is no longer a luxury, it’s a prudent and necessary purchase. STAND ALONE UMBRELLA AVAILABLE IN CALIFORNIA
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