Academy Insurance Services is a Fire and Casualty Insurance Broker licensed in the State of California.
Academy Insurance specializes in comparison shopping over 100 leading insurance companies to get you the very best in price and coverage.
Academy Insurance was established in 1984 as a small three person office. Since that time Academy has quickly developed a reputation thru out the marketplace for its honesty, integrity and dedication to customer satisfaction
what is insurance options in academy insurance services?
Bodily Injury & Property Damage
Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.
Comprehensive & Collision
Comprehensive and Collision coverage’s pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.
If your injury expenses exceed the at-fault party’s Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person’s Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.
If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.
Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted. Refer to your policy for details.
Roadside Assistance coverage provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to any of the following:
• Mechanical or electrical breakdown
• Dead battery
• Flat tire
• Insufficient supply of fuel, oil, water or other fluids
• Entrapment in snow, mud, water or sand within 100 feet of the roadway
Roadside Assistance coverage provides immediate sign and drive assistance, which means you have no out of pocket expenses just sign the receipt and you’re back on your way. Roadside Assistance is available 24/7.
Total Loss Replacement
With Total Loss Replacement, Academy Insurance Services shops for a vehicle replacement so you don’t have to. You simply tell it what you’re looking for, and it will contact a network of car dealers and lenders to find a vehicle that meets your needs with finance options that are right for you.
Then you decide if you want to test drive, buy or pass on the cars. In most cases, Academy Insurance Services founds vehicles that meet customers’ needs within six days.
Home insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment.
Home insurance also protects you if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
Generally, a standard homeowners insurance policy protects the following:
• The physical structure of your home
• Structures on your property (storage sheds, pools, boathouses, etc.)
• Your personal property and belongings inside your home, up to specified limits
• Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
• Injuries to your household pets while inside your home
• Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home
Academy Insurance Services has provided families and individuals of all types with the right health insurance plan ensuring security and affordability.
It offers the widest selection of the most prominent health insurance companies. With more than 250 + group insurance plans in its statewide database, you’re guaranteed to find a plan that will offer you premium quality and value.
The options and choices for health insurance are greater than ever.
Whether you are looking for health insurance for the first time or you are looking to change and compare your current health insurance plan or whether you are single and have a family to protect it will put in the maximum time and resource to get you the health coverage you are looking for at the lowest prices.
Medical Plan Types
Medical, standard long-term coverage Most people select this form of coverage.
This type of coverage is renewable for multiple years and can provide continuous claims coverage over a long period of time.
Most plans of this type cover both major medical expenses (e.g., hospitalization and surgeries) and routine medical expenses (e.g., office visits and annual exams), subject to deductibles and co-payments or co-insurance.
Short-term, up to 12 months temporary coverage Short-term health insurance is a temporary health insurance plan (typically 1 to 12 months) and should NOT be used as a substitute for standard, long-term health insurance.
Family Members To Be Insured
You can insure any one of the following combinations of family members:
• Single adult
• Couple – you and your spouse
• Family – you, your spouse and one or more children
• Single parent household – parent and one or more children
• Single child
• More than one child
• The gender and age of each person is also required.
Life insurance can help provide monetary death benefits when you die to those you designate as beneficiaries — say your spouse, children or siblings.
But, life insurance can serve for more than just “death protection.”
Types of life insurance
• Level Term Insurance:
providing a constant death benefit amount of insurance for a specified period of time.
• Decreasing Term Insurance:
the face amount decreases over the term of coverage.
This may be used, for example, to cover the decreasing amount of a home mortgage.
• Permanent or Whole Life Insurance:
this is permanent life insurance protection provided through age 100.
A permanent or whole life policy accumulates cash value.
• Flexible Premium or Universal Life Insurance:
designed as a permanent life policy, this coverage differs from traditional permanent policies in that it allows the policy owner to vary the amount and timing of premium payments (subject to satisfying policy premium minimums to keep the policy in force), plus increase or decrease the death benefit (subject to underwriting for an increase and policy minimums for a decrease).
Academy Insurance Services Insure :
• Conventional Motor Home — Class A
• Professional Bus Conversion — Class A
• Non-professional Bus Conversion — Class A
• Camper Vans — Class B
• Mini Motor Home — Class C
• Fifth Wheel Trailer
• Conventional Trailer
• Pop-Up Tent Trailer
• Trailer with Recreational Cargo Quarters
• Mounted Truck Camper
how can i contact academy insurance services?
Academy Insurance Services Inc.
12735 Hawthorne Blvd, Hawthorne CA 90250
Email: [email protected]