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If you're in the market for a new car, Hercules Insurance can help
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Questions on car insurance? From adding a driver to filing a claim, our Auto Insurance FAQ offers tons of helpful, customer-tested info.
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You can Rely on Us
Hercules Insurance is committed to providing you with the best service possible in the industry, starting with our friendly staff, our company prides itself in being able to offer personalized service from start to finish. Unlike other agencies we DO NOT charge astonishing fees for adding or removing coverages, helping you file any state required certificates or adding vehicles or drivers to your policy. We pride ourselves in the service we provide and save you money in the process. Try us out!

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We will find the best Deal
Hercules Insurance is a bonded and certified brokerage firm licensed in the state of California. Our company offers hundreds of insurance companies from automobile, commercial and liability Insurance to home, boat and renters insurance. We have the ability to shop different insurance companies and offer our clients the most affordable solution based on their particular needs. So go ahead and give us a try, we will find the best deal for you!
Our Customers
Our most important asset is our clientele and that is why we strive in a daily basis to efficiently manage your policy. Renewing a policy with us is no longer a guessing game, we maintain accurate records and constantly compare rates among our insurance companies therefore, if you qualify for a discount or improve your driving record our account managers will be able to switch you to a different company with little paperwork needed. As an added benefit some of our polices are now E-signature enabled with allows us to simply e-mail all declaration pages for you to sign electronically.
Contact Us
Our Account managers are available to answer your questions in real time with NO AUTOMATED SYSTEMS, talk to a real person from monday through Friday from 9am to 5pm or if you rather email us you may contact our customer service department at:
help@herculesinsurance.net.

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Liability insurance
Liability coverage protects you from damage you do to others or to their property in an accident. Some level of auto liability insurance coverage is required in California. Car insurance liability coverage is typically made up of 3 separate components wrapped up under the "liability coverage" heading.
  1. Bodily injury, each person ($15,000 minimum payment per person, for example)
  2. Bodily injury, each accident ($30,000 minimum payable per accident, for example)
  3. Property damage ($5,000 minimum, for example)

When shopping for or reviewing auto liability insurance coverage, you might see all 3 components lumped together, like this: $15,000/$30,000/$5,000. What's most important is understanding what each liability component protects.

Bodily injury liability coverage protects you if you're responsible for an accident that hurts another person, covering their injuries and lost wages. Keep in mind, though, that liability car insurance is for injuries to other people - coverage doesn't apply to your own injuries.

Property damage coverage covers damage you cause to somebody else's property - things like their car or mailbox, or even their house or storefront. Again, it doesn't apply to damage caused to your own property.


Bodily Injury Liability Coverage

If people are injured in an accident that's your fault, Bodily Injury Liability coverage helps protect you from bills that can include:

  • Emergency aid at the scene
  • Medical expenses for bodily injury
  • Medical services for sickness or disease
  • Compensation for loss of income
  • Funeral expenses
  • Legal defense fees and/or bail bonds for anyone listed on your policy


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Property Damage Liability Coverage
If another driver's property is damaged in an accident that's your fault, Property Damage can help pay for their: Structural damage to homes, storefronts, etc. Repair or replacement costs for other stationary objects Vehicle repair or replacement costs Property damage auto insurance coverage can also help keep your assets safe in the event of a lawsuit resulting from a covered accident.

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Uninsured Motorist insurance

Uninsured Motorist insurance is a coverage that protects you if you're involved in an accident with someone who does not have Liability insurance or does not have enough Liability insurance to pay for your damages.

Depending on the state, Uninsured Motorist insurance may be three separate insurance coverages that are typically categorized together:

  • Uninsured Motorist insurance (UM or UMBI)
  • Underinsured Motorist insurance (UIM)
  • Uninsured Motorist Property Damage insurance (UMPD)
Uninsured Motorist insurance (UM)

Also known as Uninsured Motorist Bodily Injury insurance (UMBI), Uninsured Motorist insurance (UM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who is uninsured. UM insurance also protects you and your passengers if struck by a hit-and-run driver.

Covered UM expenses for you and your passengers include:

  • Medical bills
  • Lost wages
  • Pain and suffering
Underinsured Motorist insurance (UIM)

Underinsured Motorist insurance (UIM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who has too little insurance to cover all of the injuries. In some states, UIM is part of UM.

Covered UIM expenses for you and your passengers include:

  • Medical bills
  • Lost wages
  • Pain and suffering
Uninsured Motorist Property Damage insurance (UMPD)

Uninsured Motorist Property Damage insurance (UMPD) pays for damage an uninsured driver causes to your vehicle. Uninsured Motorist Property Damage insurance may also protect your vehicle if a hit-and-run driver damages it. Covered property may include personal property as well as your vehicle, depending on the state.

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Comprehensive Coverage

Covers your vehicle, and other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. It pays to fix your vehicle less the deductible you choose.

How much protection does this coverage provide?

The amount you see typically refers to the deductible, or the portion of a claim you are responsible for paying.

A higher deductible can substantially lower the cost of insurance premiums. You should balance this savings against your ability to absorb a larger out-of-pocket expense.
For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,500, you will pay $1,000 and your insurance company will pay $500.

Who might benefit from buying Comprehensive coverage?
  • If your car is financed or leased, the finance company will probably require that you carry this coverage.
  • If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss.
  • If you have an older car or one in poor condition, you may not want to pay for this coverage.

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Collision Coverage
Collision insurance is a type of automobile insurance that provides the insured with compensation to repair or replace his or her car if it is damaged or destroyed in a car crash or other driving accident. It is distinct from liability insurance, which covers damages suffered by others in the event of an accident caused by the insured. Unlike liability insurance, which is legally mandatory for drivers in many jurisdictions, collision insurance is generally optional. Collision insurance does not encompass vehicle damage caused by other sources, such as theft or natural disasters. Coverage for these sources of damage is called comprehensive insurance. Though not required by law, people who lease a car or take out an automobile loan are often required to buy collision insurance as a condition of the lease or loan.

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Rental Coverage
Auto insurance pays for costs related to the rental of a car if the driver’s car is temporarily out of service due to collision or other damage. The driver sets rental reimbursement as a limit per day/maximum figure on his or her auto insurance policy. For example, 20/600 rental reimbursement coverage provides a maximum of $20 per day and $600 maximum for the total duration of the car repair. Situations in which the driver may find himself or herself without a car due tocar damage are rare. But when it does happen, it’s good to know that the driver won’t be left stranded without transportation to and from work.

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Towing Coverage
towing and labor coverage provides towing or emergency roadside service should you be involved in an accident and your car becomes disabled.

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Medical Coverage
It pays reasonable and necessary medical and funeral expenses for covered persons when those expenses are related to an auto accident.

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FAQ's
Question: Is anyone who drives my car covered?

Answer:
In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the insurance policy and their spouse if applicable. There are some exclusions, so you would need to look at your particular insurance policy to make sure. Remember, everyone in your household must be listed on your insurance policy if they have a license. For example, if a girlfriend you live with uses your car, she may not be covered if you did not list her on your insurance policy. On the other hand, if you live separately, she could use your car with your permission and be covered.

Question:What are the best liability policy limits?

Answer:
It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means: 100,000 per person for bodily injury 300,000 per accident for bodily injury 100,000 per accident for property damage Since in most areas medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver. If you live in an area where you feel that if there was an accident, that was your fault, and property damage may exceed 100,000, you may want to consider higher limits. Remember, property damage is the other person's car and any other property damaged during the accident if you are at fault. In some areas one's landscaping can cost over 100,000!

Question: What is the difference between Collision and Comprehensive Coverage?

Answer:
Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it is anything else other than a collision such as fire or theft. Most people would have both coverage's when using the car on a regular basis. Sometimes when one is just storing a car they may only keep comprehensive coverage since they are not using it on the road therefore, it is unlikely to be in a collision.

Question: What are the minimum policy requirements?

Answer:
Liability is required in every state unless you can prove financial responsibility otherwise. Requirements for financial responsibility and minimum liability requirements can be found on your state insurance commissioner's page here. Limits vary widely from state to state and, if you carry the minimum limits, when you drive into another state you will automatically assume that state's minimum liability requirements. In California is 15/30/5. ($15,000 Bodily Injury Liability Driver, $30,000 Bodily Injury Liability Passengers and $5,000 Property damage)

Question:How does my driving record affect my insurance premium?

Answer:
The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.

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Hercules Insurance Svcs.

T.(310)329-9992
F. (310)329-9876

1900 Marine Ave
Gardena CA 90249



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Hours M - F: 9am to 5pm Sat: 10am to 5pm
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