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On The Spot Insurance Services

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When you're looking for cheap Auto insurance in El Cajon, CA, it can feel overwhelming to find a company that can really help getting the best insurance company for you and your budget. That's where we come in. At On the Spot, we understand that choosing the best insurance policy is a process that takes time and research. Let our team help you find the best possible rates for your Vehicles. Here are a few more reasons to consider working with us.

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According to the Insurance Research Council, 12.6% of drivers on the road are uninsured. But auto insurance is required by law by the state of California. To drive on the road the minimum requirement for coverage is $15,000 per person, $30,000 per accident of bodily injury, and $5,000 of property damage. Don't make the mistake of thinking car insurance is too expensive! We can find you cheap auto insurance in El Cajon, CA to keep you safely on the road.

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General liability insurance helps cover costly claims that can come up during normal business operations. If you don’t have coverage, you’d have to cover these costs out of pocket, and not many businesses have the resources to do that.

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A general liability insurance policy can help cover claims If a customer gets hurt after slipping and falling in your store, they can sue your business. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.If you or your employees work at a client’s house, your business faces a risk of causing property damage. Property damage liability coverage can help cover repair or replacement costs if your business damages someone else’s belongings.

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Someone can sue your business for libel or slander because of something you or your employees said. If this happens, general liability insurance can help cover your legal costs to defend your business.

Advertising injury: Your business can get sued for copyright infringement. For example, a photographer can sue you if you use their photo in your ads without permission.

Be aware that general liability insurance doesn’t cover every kind of claim.

For example, it doesn’t help your business with claims of: Work-related injuries or illnesses sustained by employees, which workers’ compensation insurance. This insurance can help pay for their medical expenses and ongoing care costs.

Damage to your own business property, which commercial property insurance can help with.

Mistakes made in your business’ professional services, which professional liability insurance (ENO) can help cover.

We offer Commercial insurance for every type of risk.

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The SR22 filing is an addition to an Auto insurance policy. The SR22 filing is an agreement with the DMV and the Courts that as long as you carry the SR22 insurance they will issue you a valid license or restricted license. If you fail to make your payment the insurance company notifies the DMV and they in turn suspend your license. We offer a Named non-owners policy that might fit your needs, On the Spot Insurance Services can help you find the lowest price for SR22 auto insurance in California. Call us for a quote.

Even If you don't own a car, but need to have a valid license. You may still be required to have an SR-22 certificate and an SR-22auto insurance policy. If you drive a borrowed car or rent a car and get into an accident, you could still be held liable. You are able to buy a Named non-owner SR-22 policy. If you have a suspended license, in some cases you may be required to get a Non-Owners Insurance Policy in order to reinstate your driving privileges.

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On The Spot Insurance does offer insurance to drivers with no license. We have a few companies that will provide coverage even if you don't have a license. Call us 619-596-7722
If you have an Out of State License, you can still get cheap auto insurance in El Cajon, CA. Call us for a quote today. If you got a foreign license there are companies that compete for foreign drivers and even provide good driver discounts to them. Do not be afraid to call us 619-596-7722 we can help make sure you get the best insurance rates in California.

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