The Importance of Repairing Your Car After Minor Fender Benders

Here at Avail Insurance Solutions LLC, providing auto insurance to individuals in the states of California, Oregon, Arizona, and Nevada, we often have clients ask us if it is worth filing a claim for and having their vehicle repaired after a minor fender bender. While we cannot advise you as to whether or not you should file an insurance claim or not, what we can tell you is that it is important to have your car repaired after a minor fender bender. 

The Importance of Repairing Your Car After Minor Fender Benders

Minor Fender Benders Affect the Value of Your Car

One of the reasons why you want to have your vehicle repaired after a minor fender bender is because minor dings, dents, scrapes, and scratches can all negatively affect the value of your vehicle. Having the car repaired helps to increase the value of your automobile. 

Minor Fender Benders Can Affect the Stability of Your Car

The second reason why it is important to get your vehicle repaired after a minor fender bender is because a minor fender bender can affect the structure and strength of your car. This can leave your vehicle susceptible to a greater damage if you are involved in another accident in the future. This means that your car may not be able to protect you as it should, which can expose you and your passengers to bodily injury or harm. 

Get Auto Insurance Today

Having the perfect auto insurance coverage for you helps to ensure you are covered in the event of accidents, even for minor fender benders. If you are looking for a new auto insurance policy in the states of California, Oregon, Arizona, and Nevada, the team at Avail Insurance Solutions LLC would love to assist you. Contact us today to get started. 

How Often Should You Review Classic Car Coverage?

First, let’s take a brief look at what Classic Car Coverage is. This coverage applies to cars with an appreciating value – meaning it rises over time. Insurers classify these vehicles in a few ways and the language can vary by company. Cars of higher value over ten years old are typically referred to as classic, while those over 25 years of age are often described as antique. In some cases, newer cars may be deemed modern or future classics.

Avail Insurance Solutions LLC is happy to discuss the details of your California or Oregon vehicle to better classify it.

When To Review Your Classic Car Coverage

If you already have classic car coverage, it’s a good idea to check in annually to make sure you are adequately protecting your car. Other times you might want to examine coverage include:

  • After completing significant improvements

  • Before taking a longer cruise

  • After purchasing expensive specialty restoration tools

  • After acquiring related valuable memorabilia

Special Coverages to Consider

  • Cherished Salvage – This lets you keep your salvaged car after it’s deemed a total loss and retain your claim payment.

  • Spare Parts & Automotive Tools – This covers special tools and parts used to restore and maintain your classic ride.

  • Vehicle Under Construction -This periodically increases the coverage to ensure it’s protected without having to update your provider after each improvement.

  • Disabled Vehicle – Typically includes roadside and sometimes options like trip interruption coverage. If your classic cruiser breaks down, the cost of getting home is covered, including transit, meals, and lodging.

  • Automobilia – This covers collectibles related to your classic car. It may cover memorabilia like hood ornaments, gas pumps, vintage plates, and more.

Contact Us Today

If you are ready to review the coverages for your classic vehicle in Oregon or California, give Avail Insurance Solutions LLC a call today. Our friendly, knowledgeable staff can review your coverage and ensure you have the protection you need.

Things that home insurance won’t cover

Protecting your home with the right home insurance is essential to maintaining your financial security. Home policies do have limits and exclusions and it is important that you familiarize yourself with what they are. At Avail Insurance Solutions LLC, we service customers in California, Oregon, Arizona, and Nevada. As independent insurance agents, we are able to offer our customers more choices. 

Home Insurance  Exclusions


The average yearly amount of damage caused by flooding is more than $800 million. Sadly, home insurance doesn’t cover any of it. But all is not lost. The National Flood Insurance Program offers two flood insurance types; property and content. If you live in an area in danger of flooding, you can get one of these policies. If your flooding is the result of burst pipes in your home, this is covered by home insurance. 

Earth movement

Earth movement includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, chances are your home insurance won’t cover any resulting damage. As with flood insurance, you can add separate coverage to protect you from the damage caused by earth movement. 

Owner neglect

As a homeowner, you have a responsibility to maintain your home. Maintenance means making sure that if termites are a potential danger where you live, and that includes much of the US, you need to get your home treated and get a termite bond. Your home insurance won’t cover the damage. You also need to replace your roof when it gets old and if it wears out and leaks, the damage won’t be covered. 

Sewer backup

Is anything more disgusting than a sewer backup? Not much and even worse than that, it won’t be covered by your home insurance policy unless you have a special rider to cover it. 

Get Home Insurance Today

Help us find you the right policy for the coverage home insurance does provide. Contact Avail Insurance Solutions LLC for your home insurance needs in California, Oregon, Arizona, and Nevada.

How Can Auto Insurance Be Green?

When consumers spend less money on non-renewable products and sources, it makes auto insurance green. We at Avail Insurance Solutions LLC serve California and Oregon and know that people want to be able to spend more of their money on other things such as designer clothing, a sleek car, a nicer home, and healthier eating.

How Can Auto Insurance Be Green?

Insurance companies have started to reward individuals with eco-friendly cars because they have begun to see the benefit of rewarding people who drive them. Car manufacturers are working on making each model more efficient with more green models coming out each year.

But can “going green” result in car insurance savings?

Yes. The concept of green car insurance is meant to reduce the cost of consumer goods, including car insurance. If you are currently driving a green, eco-friendly car, you may be able to get car insurance for less.

Green car insurance has become a new concept based on the profits of insurance companies. Many insurance companies are enticing customers to their products with various incentives.

 Also, many of these insurers offer discounts for vehicles that do not “guzzle gas”. Some discounts are alternative fuel premium discounts, endorsements that permit hybrid replacement, and hybrid vehicle premium discounts.

In pay-as-you-drive (PAYD) programs, which are usage-based insurance, drivers are charged based on how much they use their vehicle, rather than a fixed monthly premium. That rewards them for driving less. This is perfect for drivers with a second vehicle that is seldom driven or people who work from home.

There are other reasons why auto insurance costs on green vehicles are decreasing.

  • Many green vehicles have been manufactured within the last five years, making them subject to new government guidelines regarding safety, making them more desirable to own.
  • These vehicles do not rely on fossil fuels. Therefore, they have a reduced chance of bursting into flames in an accident.
  • Green or eco-friendly vehicles have side-impact airbags, are more impact-resistant, and have brighter lights.

Give Us A Call

We at Avail Insurance Solutions LLC, serving residents of California and Oregon, can answer any questions you may have about “going green” with your auto insurance. Contact us today.

How Do I Insure My Classic Car If It’s Not My Daily Driver?

If you’re like most people, your classic car is only driven on special occasions. Maybe it’s a weekend cruiser or a summer showstopper – but it’s not your daily driver. So, how do you insure it? What kind of coverage do you need? We are here to answer any questions for our California, Oregon, Arizona, and Nevada clients.

Here are the steps to take for classic car insurance:

1. The First Step is To Talk to Your Insurance Agent

Your classic car insurance policy is going to be different from your regular auto insurance policy. That’s because classic cars are usually only driven on special occasions, which means they have a lower risk of being involved in an accident. But that doesn’t mean you don’t need coverage!

You’ll still need to insure your classic car against theft, vandalism, and other risks. Our professional agents at Avail Insurance Solutions LLC will be able to help you find the right policy for your needs.

2. Choose the Right Coverage for Your Classic Car

When it comes to classic and collector car insurance in California, there are three main types of coverage: agreed value, stated value, and actual cash value.

Agreed value is the most common and straightforward type of coverage. With agreed value, you and your insurance company agree on a value for your car before you start your policy. In the event that your car is totaled or stolen, you will receive the agreed-upon amount.

The stated value is similar to the agreed value, but there is often more flexibility in the stated value amount. Your insurance company will assign a stated value to your car based on factors like the make, model, and age of the vehicle. You can then insure your car for the stated value or for a higher amount.

Actual cash value is the least common type of coverage, but it may be the right choice for you if your car is very old or has high mileage. With actual cash value, the insurance company will determine the value of your car based on its current market value.

Give Us A Call

Classic cars are a great investment, and they can be a lot of fun to drive! When it comes to insuring them, it’s important to talk to an experienced agent who can help you find the right policy. At Avail Insurance Solutions LLC, serving the states of California, Oregon, Arizona, and Nevada, we’re here to help.

Getting Home Insurance For Your Household

If you are a first-time homebuyer, it’s likely that your mortgage lender will offer you a mortgage rate that is lower than your house payment. In this scenario, you probably won’t be able to afford home insurance. If you’re close to retirement, you might be able to get a home insurance policy for less than your monthly retirement income. For inquiries in California, get in touch with Avail Insurance Solutions LLC.

What To Know About Home Insurance

For low-income households, the government offers help with the cost of homeowners insurance through the Low-Income Homeowner Program. If you’re unable to purchase insurance through the marketplace due to a medical condition or other situation, you can still receive help. Contact your state’s insurance department to learn about providers that offer discounted coverage for low-income households. 

Contact your local or state health department or housing authority for help. There are also options like buying renter’s insurance or earthquake coverage to protect your home. There are also things you can do like reducing your risk by keeping your home clean, fixing any issues that could lead to a claim, and keeping a low profile. If you are looking for cheap home insurance, start by checking if you qualify for a low-cost or no-cost option. There are options like the Health Insurance Marketplace or the state health insurance for those with a low income. 

Not being able to afford home insurance can happen for a number of reasons, including being under the age of 18, being in debt, or having a low income. If you find yourself in this situation, we recommend reaching out to a credit counselor to get help with paying off your debt. Another option is to consider receiving homeowner’s disability insurance to protect your home in case of an unforeseen event. This type of coverage can help cover the cost of repairs if you can’t work due to an injury or illness. 

Contact Us Today

If you can’t afford to buy homeowner’s insurance, there are other ways you can protect your home and belongings. Avail Insurance Solutions LLC in California is here to assist with any insurance queries.

Here’s an easy way to make sure your auto repair shop is accepted by your insurance carrier

California drivers can rely on Avail Insurance Solutions LLC to get the auto policy that’s right for them. With so many options available, it can be difficult to determine which is right for you. Contact us today and let us help!

An easy way to ensure your repair shop is accepted by your insurance carrier

When you sign up for an auto policy that includes roadside assistance, it’s an easy way to ensure that the auto repair shop will be approved by your insurance carrier. 

If you are involved in an accident or require towing services, you may worry that the service you call might not be accepted or approved by your insurance provider. This is a real fear, as services performed by those vendors may not be covered by your policy.

Having your roadside assistance service through your auto policy is a great way to avoid this worry. When you access the assistance service, the tow trucks called, or the auto body shops that are recommended are sure to be approved. If you have a preferred repair shop, it makes sense to confirm that they are approved by the carrier of the policy you select. Choosing an auto policy that ensures your shop is accepted is one way to also narrow down the selection process.

Roadside assistance through your auto policy is a smart idea for a variety of different reasons. Choosing the right auto policy is much easier when you work with an agent.

Get in touch today!

California residents are able to turn to the team at Avail Insurance Solutions LLC for help with auto policies or any other insurance types. Get in touch with our office today and find out more.

Classic Car Insurance Overview

Avail Insurance Solutions LLC provides coverage to clients throughout California. We work with multiple carriers on the West Coast. We are committed to helping our clients obtain the coverage they are looking for. We prioritize providing excellent customer service. We will help you assess your situation and find insurance that aligns with your needs.

Classic Car Insurance Overview

California is home to some of the biggest classic car shows and exhibitions in the United States. If you are a classic car owner, you have a unique asset. Classic car insurance provides a layer of protection if something happens to your prized possession. In order to maintain its classic car status, you should avoid driving it. Generally, the only time it’s acceptable to drive your classic car is to show it off at one of these car shows. Classic car insurance covers any damages to your vehicle. You are protected if someone attempts to steal or vandalize your vehicle. Liability coverage protects you in the unfortunate circumstance that you are involved in an accident and you injure someone or damage property. Consider having your classic car appraised to determine its true value.

Since you’re only driving your classic car a handful of days during the year, storage coverage is important. Storage coverage protects your vehicle against potential disasters. Maybe the storage facility is damaged due to an accidental fire. Perhaps severe weather moves into the area and causes damage. Storage coverage protects your classic car if an emergency happens. If you install any custom parts on your car, you’ll have to amend your policy to cover those items if they are damaged.

Avail Insurance Solutions LLC Will Help You Protect Your Investment

Contact us today to learn more information about classic car insurance in California.  

Basic Home Insurance Facts To Consider

Avail Insurance Solutions LLC provides coverage to California residents. We strive to help our clients find policies that align with their individual needs. We assess each of our client’s personal situations. This allows us to locate custom policies that will help meet their needs over a long period of time. We work closely with multiple carriers throughout the Pacific Northwest.

Basic Home Insurance Facts To Consider

Your California residence is one of your most prized possessions. Home insurance helps cover your asset against potential disasters. The policy covers the interior and exterior of your home against possible damage due to a fire or natural disaster. All of your possessions inside the home are also covered if they are stolen or damaged. However, you may need to amend your policy in order to maintain full coverage if you have a lot of luxury items such as paintings and furs in your home. It’s recommended that you take inventory of your personal items.  Liability coverage protects you if a guest is visiting your property and suffers an injury. This also covers any accidental damage caused to your neighbor’s property by you or your pet.

Look over your policy carefully. While your home is covered against potential water damage, that does not include any damage to your home caused by a flood. You can add flood insurance as another layer of protection. Alternative living coverage can assist you in emergency situations as well. If your home suffers extensive damage, alternative living coverage helps you find a temporary place to stay until your home is repaired. This helps alleviate a lot of stress during a troubling time.

Avail Insurance Solutions LLC Will Help You Protect Your Investment

Give us a call to learn more information on home insurance.