How long do tickets stay on my record?
All minor traffic convictions and accidents remain on your driving record for three years from the conviction date ( the date you paid the ticket) . All major violations remain on your driving record for seven years. Points for traffic convictions and chargeable accidents are added and removed at the renewal of your policy. There is no change to the policy during your policy period to add or delete points.


What should I do if I have an accident?
First, make sure you, your passengers and others are not injured. If there are injuries call 911 immediately. Second, in most states the police should be notified. Third, you should give your information to the other driver(s). Provide your name, address, and telephone number. Also let them know your insurance coverage is through the Brooks Insurance Services. Then get this same information from the other driver(s). Finally, contact your insurance company at your first opportunity. They can process your information make sure your claim gets handled right away. Most insurance companies have a 24 hr/7 days a week, toll free number. It will greatly speed up the claim by reporting directly to the company. Many companies have adjusters answering the phone which can provide greater customer service.


Why should I buy from a broker?
As a broker of insurance, Brooks Insurance Services represent you-the customer. We shop from our panel of 30 different A Rated California Admitted insurance companies to locate the best combination of price and coverage for you! Then we continue to stand by you, shopping each renewal to make sure that your insurance coverage keeps pace with your changing life.


How does Brooks Insurance Services have great rates for all types of drivers?
When you contact us for a quote, we shop our panel of 30 different insurance companies to find you the most appropriate coverage at a great price. Some of our carriers specialize in good drivers, while others write mostly high-risk drivers. No matter what your situation, Brooks Insurance Services can place you with an insurance company that is right for you at a very competitive price.


What is Uninsured Motorist Coverage?
Even though uninsured motorist coverage is advisable, there are many people who do not buy this coverage. If an uninsured motorist causes an accident you may not be able to recover any damages that you sustain. If you purchase Uninsured Motorist Coverage, your insurance company will pay you for the property damage and bodily injury caused by an uninsured motorist. It will cover you, any family member, and anyone occupying a covered automobile. The limits for this coverage are usually the same limits that you selected for liability, although you can choose lower limits. There are also times when a person who causes an accident has liability insurance but your damages exceed the limits of that person's coverage. In California, Underinsured Motorist Coverage is included in your Uninsured Motorist Coverage.


How much Liability Coverage do I need?
California laws require that you carry a minimum amount of liability insurance ($15,000/$30,000/$5,000), which pays for the injuries or damages you cause to someone else. While some people need only the minimum level of protection, others have assets that they need to protect. If you are unsure about how much liability insurance you need, consult a Brooks Insurance Services professional. We can tailor a program to provide the right amount of protection for you and your family. For property owners, we suggest a minimum of $100,000/$300,000/$100,000 for auto and $500,000 for homes.