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.)
Putting all your eggs in one basket can be super beneficial because of the discounts received, but over time the plan that was great for you can begin to become stale. Meaning that you can be saving on your Auto insurance that renews every 6 months but paying back the savings and then some on the Home insurance your bank pays. Not to mention the over priced Umbrella insurance and Rental Home insurance policies.
What happens when you ask the 1 carrier agent if it’s the best plan for you? – “XYZ Insurance is the best! We give you the best rates in town!” <-(well that’s about all they can say since they can’t give you another option)
Now, how about this for an idea? Having one insurance broker who has access to multiple companies and gives you diversity to help meet your needs. Wihtout comprimising on coverage by offering you true options, and still giving you the savings you deserve!
Here at T.C.S. Insurance, I will be more than happy to take a look at your current policies and show you if there is room for improvement or if I can better your insurance coverage situation.
Mexican Auto Insurance Information, Requirements, And Policies
Welcome to TCS Insurance Brokers – Mexico Insurance Online-Quote-Buy-Print! We are the Mexican auto insurance experts.
If you are driving in Mexico you will need to purchase Approved and Admitted Mexican Auto Insurance that meets the recently raised Mexican liability insurance requirements.
Mexican Federal Law requires that you be covered by an admitted Mexican Insurance carrier while Driving in Mexico. We are a respected California Insurance Agency, licensed to sell Mexican auto insurance policies. We sell only policies from the top insurers in Mexico.
Where you purchase auto insurance policies for Mexico matters
Too many tourist have found out the hard way that the cheap policy they purchased at a roadside stand was not worth the paper it was written on. Imagine being stuck on the side of the road in Mexico with no one to turn to? That won’t happen when you deal with us!
Here you will be able to purchase coverage from your choice of the top four Mexican Auto Insurance Carriers. You may purchase by the Day, Month, or by the Year and print out your policy and ID cards Required in Mexico within minutes. Immediately upon purchase, you documents will also be emailed to you allowing you to access your documents from anywhere that you have email access. – Or If you prefer you can call us and talk to a live person. Hablamos Español Tambien! –
Simply click on the “Instant Mexico Insurance Quote” button below to view Mexican Insurance rates, compare policies and purchase your Mexican Auto Insurance policy.
The Necessity of Mexican Auto Insurance
It is required under the Mexican law to have Mexican auto insurance if you are driving in Mexico. Your existing U.S. or Canadian auto insurance policy is not recognized in Mexico. It is risky and violates Mexican law to drive in Mexico withoutMexican liability insurance, and it can lead to detention in the event of an accident.
TCS Insurance offers you a broad range of policies from the leading Mexican auto insurance providers. Within seconds you can compare various policy options online, and choose the one that suits your requirements most closely. You can compare the prices to ensure that you are buying the best possible insurance policy at the cheapest price.
None of the U.S. or Canadian insurance providers can offer liability coverage for vehicles operating in Mexico. Your existing U.S. or Canadian liability coverage is invalid in Mexico.
This mandatory Mexico liability coverage must be obtained through a Mexican Insurance company only. The good part is that Mexican insurance coverage is relatively inexpensive. With TCS Insurance you can obtain instant quotes from the leading insurance providers, and make the right choice. Comprehensive Mexican auto coverage is recommended to reduce your risks during your drive and vacation in Mexico.
Choosing A Mexican Auto Insurance
You should be aware that all Mexican insurance providers are not created equal. Our agents have heard many horror stories from clients that have been burned before they found our service. Some policies are not worth the paper that they are written on. You may rest assured that all of our Insurance Carriers are top notch, A-Rated and offer excellent customer service and claims services.
With TCS Insurance you can be assured of making the right choice because we only work with top Mexican insurers to offer insurance with an excellent track record of providing quality auto insurance coverage and highly efficient claims processing systems in Mexico.
We Are The Experts On Both Temporary And Annual Mexican Auto Insurance
We specialize in insurance coverage for Mexico. As specialists in the insurance industry we are able to offer the best possible insurance coverage options at the lowest rates for all of our clients. You can expect to receive reliable guidance and answers to your queries about various insurance programs. Our efficient online system of Now ensures that you receive the best quotes from leading providers instantly, and can make the best possible buying decisions for your auto coverage before you travel to Mexico. If you have any questions feel free to call us at 1-866-968-8393 during regular business hours.
A former client needed assistance in finding an affordable Auto insurance plan. Due to her Financial Circumstances she could not afford anything above $30 per month. Lapse in insurance coverage, age and recently lapsed drivers license were not helping her already bad sitaution. After hours of research, and even checking other programs not carried by us, I was able to help this elderly woman meet the coverage she desired at a price she could afford.
Although it feels good to make a sale and sales are needed to make a living, it feels even better when I can help someone without expecting anything in return. We do our job as if we are treating a family member and we hold ourselves to higher standard with the goal in mind to give our clients “Total Client Satisfaction”!
My name is Randy Cruz and I look forward to serving your insurance needs, even if it takes for me to refer you out to another carrier.
At T.C.S. Insurance Brokers, Inc. we offer over 26 insurance programs, with coverage ranging from Auto, Home, Commercial, Benefits, Health, Life & Retirement to Specialty & Travel. Most would say that this is a disadvantage because it’s too much to learn about, understand and be able to explain. But we at T.C.S. Insurance believe that in order to serve the purpose of Total Client Satisfaction, there should not be any other alternative. We owe it to our clients to know more than one program and to be able to correctly advise them as to what the pros or cons may be.
Where did this idea come from?
As principle of T.C.S. Insurance Brokers, Inc., I took on the mission of creating an agency that can only function when our client’s needs are 100% met. Regardless if our own agency goals were put aside to accomplish the mission of Total Client Satisfaction.
So, as a group, we have carefully chosen each carrier we want to represent. We have and continue to choose each carrier based on the carrier’s current and past performance.
1. We review how each carrier handles claims. We research what consumers have to say and why they say what they say.
2. We then reach out to other agencies that have contracts with those carriers to see if there are opportunities or deficiencies with the carrier.
3. Eventually we end up interviewing the carrier before signing on and offering their product to our valued clientele.
However, the work isn’t done just yet! We then study each policy contract to fully understand the carrier’s appetite, pros, cons and policy “loop holes” (which can negatively impact our clients). Once we understand and can accurately match a client with carrier and their product, than at that point we can almost call it complete.
It doesn’t stop after we make the sale…..
Once we match the client with the product, we must understand and know what to expect when their is a claim. Becuase the reason one gets insurance is to cover for when the unexcpected happens, right? So that means we MUST know how to handle a claim with each carrier we represent. – And we do!
Get a FREE INSURANCE QUOTE within minutes! It’s fast, confidential and you'll get the best Insurance Rates available from Top Insurance Carriers. If you like what you see, we will get you insured ASAP!