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"My name is Tony Laughlin and have been a client of Shepard Insurance Agency since late 1997. I came to this agency for the purpose of getting lower insurance rates. I not only found lower insurance rates, but I found by far, one the best agents in Ms. Luz Gomez. I unfortuneately have had a few incidents with my vehicles in the past, and I never felt that I was getting anything but top service. The phone calls are returned in very timely manner, and questions are answered as if they knew before they were asked. With the service I receive, I feel like I am their only client. There is no exaggeration in any of these comments, I feel the way I have explained. Thank you Shepard Insurance and a special thanks to Luz Gomez. "
Tony Laughlin



"Here at Integrated Home Construction, we take our business very, very seriously. That’s why when it comes to our insurance needs, we turn to the best: the people of Shepard Insurance Agency."
Van Nuys, CA


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We all know California law requires drivers to purchase automobile insurance. But have you ever considered what you're buying, and why? Understanding your auto insurance coverages is important so you can be sure you have the right coverage, and the right amount of coverage. Today we'll talk about Liability Coverage, and in future issues of the newsletter, we'll look at the other components of your auto insurance policy.

Liability Coverage is a required coverage in California and it has nothing to do with you or your vehicle. If you are at fault in an accident, it will pay for the bodily injury and property damage expenses caused to others in the accident, as well as any legal bills you incur. Bodily Injury Liability Coverage pays for medical bills and lost wages. Property Damage Coverage pays for the repair or replacement of items damaged other than your own car. The party you hit may also decide to sue you to collect “pain and suffering” damages.

If you’re interested in protecting yourself from a lawsuit, then it makes sense to buy more Liability Coverage than what’s required. The liability limits on your policy may be presented as a series of three numbers. For example, we might say that your policy carries liability limits of 100/300/100. This represents $100,000 for Bodily Injury Coverage per person, $300,000 in Bodily Injury Coverage per accident and $100,000 Property Damage Coverage per accident. Some companies offer combined single limits, where your bodily injury and property damage limits are included in one aggregate limit, with no sublimit per person.

If you cause a serious accident, your current insurance may not cover you adequately if your limits are low or at the minimum. If you own a home or have other assets or a savings account, you should consider more liability insurance because drivers are allowed to sue other drivers. And if your insurance does not offer enough coverage and doesn’t pay for all the damages, your personal finances are on the hook. It’s possible that you could become a target.

If you're not sure whether you have adequate liability coverage, we can review your policy and make recommendations appropriate to your situation. Call us at either office - Valencia, (661) 295-4624, or North Hollywood, (818) 508-9925 and we'll be glad to see where you stand.