Abdelmalik Insurance Agency
CA Lic. # 4035040
Auto, Home, & Commercial Insurance.
P: 818.826.0114 - 818.666.1921 - 747.246.2572
F: 818.666.1959
Contact Us
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CSR
+1 (818) 826-0114 & +1 (818) 666-1921
Land Line & Faxes
+1 (818) 666-1959 & +1 (818) 666-1699
Visit Us
Unfortunately, due to COVID-19, we don’t accept any meeting in our office but we are working everyday, Monday-Friday: 8am – 5pm, Saturday 11am – 5pm & Sunday is Off
Customer Service
Any time, you can contact our CSR Team through email or over phonem and remember you protection is our job.
+1 (818) 826-0114
Facebook Page
You can also find is on facebook page, and we encourage every one to join us on facebook to follow our advices and know everything new
Need to Report an Incident?
You can contact us first to know how to file your claim and get the carrier claim department phone bumber
+1 (818.) 826-0114
Frequently Asked Questions
What services I can get with your Agency?
Our Agency, AIA, can provide you by many varieties of insurance coverages where we have a lot of carriers we are working with, they can provide insurance to cover and protect you. they can cover Personal Line like Auto Insurance, Home Owners or Dwelling Fire insurance or even Renter insurance.
Also, we have some other great companies working to cover the Commercial line and protect your business Where they Provide Business Owner or General liability, or even Commercial Auto, and for sure we can’t ignore professionals like Surgent doctors, Contractors, engineers and engineering consultant and any other professional person who has a license and responsible to his work we can provide a professional liability Coverage for them, and we still have more and more…
Anyway, We are here to serve and protect you and your assets, Your premium is important for you to be cheap but Your protection is important to us
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What kind of dicounts I can get with you carriers? and How can I get these dicounts?
If you own your home, and more than one car, marriage, no children less than 25 years old, and you have a clean record & there is no home losses for the past five years, so you are eligible to get a policy from one of out preferred carriers with the highest discount in insurance industry like:
1) Marriage Discount
2) Multi-Car Discount
3) Good Student Discount
4) Good Driver Discount
5) Multi-Line Policy. and more.
Is there any common accident? And How can I avoid them?
Seven Common Car Accidents and How to Help Avoid Them:
Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on how to help avoid them:
1. Rear-end Collisions
Rear-end collisions are a common reason for auto insurance claims. Whether you are the driver who hits a vehicle in front of you, or the driver who gets hit by a vehicle behind you, these accidents can often be avoided. Consider these tips:
Keep your distance. Drive far enough behind the car in front of you so you can stop safely. This is especially true in inclement weather. Stay at least three seconds behind the vehicle ahead of you, and longer if you’re in a heavier vehicle. Extend the timing when weather conditions are bad.
Drive strategically. Avoid situations that could force you to suddenly use your brakes. If a driver is following you too closely or isn’t paying attention, you might be rear-ended.
Don’t get distracted. Never take your eyes off the road to eat, read a text message or find your phone. If the driver ahead of you stops suddenly, it only takes a second or less of not paying attention to rear-end their vehicle.
Don’t drive when drowsy or under the influence. You’re more likely to make driving errors when you’re sleepy or impaired by drugs or alcohol.
2. Parked Car Damage
Another common cause of auto damage: having a parked vehicle hit by another car. Whether you’re leaving your car in a parking lot or on the road, take steps to help avoid parked car collisions and claims. Here are some suggestions:
Go the distance. Don’t park in the busiest part of a parking lot. Instead, select a space away from heavy traffic. You’ll help reduce your chance of getting hit by another car.
Maximize the space. Always park in the center of a spot. Reposition your vehicle if it’s too close to a parking line. It will help keep your car from being hit by others pulling in to or out of adjacent spots. It can also help prevent dings from swinging doors.
Park in a garage, if you can. The idea is to put your car in a safe place when you’re not driving it.
Park street-smart. Try not to park near busy intersections, tight turns and driveways. Other drivers may not see your vehicle and could side-swipe it when passing by.
3. Single-vehicle Accidents
Single-vehicle losses include collisions with road barriers, debris or animals, in addition to rollovers and accidents when driving off-road. It’s not hard to help prevent them.
Drive right for the weather. Even if yours is the only vehicle on the road on a rainy, snowy or icy day, drive at speeds that allow you to maintain control. Learn how to avoid hydroplaning on flooded roads and refresh your winter driving skills before the season begins.
Always pay attention. Just because you’re the only person on the road doesn’t mean it’s okay to text, make hands-on phone calls or eat while driving. You never know when conditions might change.
Don’t drive too fast. Speeding has been involved in approximately one-third of all motor vehicle fatalities for more than two decades.1 Simply put, speeding is dangerous, even if there is no one else around you.
4. Windshield Damage
Chips and cracks to vehicle windshields are a common auto accident that many drivers don’t realize they can help prevent. Most windshield damage happens when rocks and stones are thrown up in the air by other vehicles. Help prevent this damage by keeping your distance from cars and trucks.
Also, don’t drive behind snow plows when they’re dropping salt or other granular substances. Some pieces are large enough to cause chips and cracks.
5. Crashes at Intersections
Intersections are another place where accidents frequently occur. Distracted drivers may miss traffic signals changing from green to yellow to red. Or they don’t notice vehicles pausing before making turns.
Practice defensive driving to help avoid accidents. Take a moment after the light turns green to make sure no one is coming through the intersection. Look out for drivers speeding to make it through a yellow light on a cross street. When you’re approaching a yellow light, be cautious rather than take chances.
6. Parked Vehicle Theft
No matter where you park your car, there’s always a chance of a break-in. Still, there are things you can do to help prevent potential unnecessary damage to your vehicle. Keep in mind that items stolen from your vehicle could be a loss that you file under your homeowners insurance coverage. Damage that occurs to your vehicle during a break-in would be filed under your auto insurance coverage.
Never leave valuables in a parked car. Having them in view is an invitation to thieves. Take expensive things with you, store them inside your glove compartment or lock them in the trunk.
Never park in dark locations. Instead, find spaces in well-lit areas. Plan ahead if you’re parking prior to sunset.
7. Backing Collisions
Whether you’re backing out of a parking spot or your driveway, accidents can happen.
The best thing you can do to avoid accidents when backing up is to avoid having to back up in the first place. When possible, park in a way where you won’t have to back up into traffic, such as pulling through or backing into a parking spot.
Another helpful tip: drive vehicles that have a backup camera. If your car doesn’t have one, you can have one installed.
If you drive a car that’s not equipped with a backup camera, here are some other suggestions of what you can do:
Before getting into your vehicle, look around to assess your surroundings and traffic patterns.
Back out using the shortest, most direct route possible.
Reverse in a straight line, turning only when clear of parked vehicles or any other obstructions.
Back out slowly while continuing to check traffic around you.
Use your mirrors and brakes until you’re completely out of the spot and integrated into traffic.
Never do anything distracting while backing out.
While there are many things you can do to help prevent collisions, theft, injuries or damage to your vehicle, it’s not always possible to avoid the unexpected. Contact your local independent agent or a Travelers representative to make sure you have appropriate coverage to meet your needs.
Sources:
How can I avoid the speeding ticket?
Speeding endangers everyone on the road: In 2018, speeding killed 9,378 people. We all know the frustrations of modern life and juggling a busy schedule, but speed limits are put in place to protect all road users. Learn about the dangers of speeding and why faster doesn’t mean safer.
Dangers of Speeding:
For more than two decades, speeding has been involved in approximately one-third of all motor vehicle fatalities. In 2018, speeding was a contributing factor in 26% of all traffic fatalities.
Speed also affects your safety even when you are driving at the speed limit but too fast for road conditions, such as during bad weather, when a road is under repair, or in an area at night that isn’t well lit.
Speeding endangers not only the life of the speeder, but all of the people on the road around them, including law enforcement officers. It is a problem we all need to help solve.
Consequences:
Speeding is more than just breaking the law. The consequences are far-ranging:
Greater potential for loss of vehicle control;
Reduced effectiveness of occupant protection equipment;
Increased stopping distance after the driver perceives a danger;
Increased degree of crash severity leading to more severe injuries;
Economic implications of a speed-related crash; and
Increased fuel consumption/cost.
What Drives Speeding?
Speeding is a type of aggressive driving behavior. Several factors have contributed to an overall rise in aggressive driving:
Traffic:
Traffic congestion is one of the most frequently mentioned contributing factors to aggressive driving, such as speeding. Drivers may respond by using aggressive driving behaviors, including speeding, changing lanes frequently, or becoming angry at anyone who they believe impedes their progress.
Running Late:
Some people drive aggressively because they have too much to do and are “running late” for work, school, their next meeting, lesson, soccer game, or other appointment.
Anonymity:
A motor vehicle insulates the driver from the world. Shielded from the outside environment, a driver can develop a sense of detachment, as if an observer of their surroundings, rather than a participant. This can lead to some people feeling less constrained in their behavior when they cannot be seen by others and/or when it is unlikely that they will ever again see those who witness their behavior.
Disregard for Others and For the Law:
Most motorists rarely drive aggressively, and some never do. For others, episodes of aggressive driving are frequent, and for a small proportion of motorists it is their usual driving behavior. Occasional episodes of aggressive driving–such as speeding and changing lanes abruptly–might occur in response to specific situations, like when the driver is late for an important appointment, but is not the driver’s normal behavior.
If it seems that there are more cases of rude and outrageous behavior on the road now than in the past, the observation is correct—if for no other reason than there are more drivers driving more miles on the same roads than ever before.
Dealing with Speeding and Aggressive Drivers:
Speeding behavior and aggressive drivers may not only affect the speeder—it can also affect other drivers, pedestrians, and bicyclists. Here are some tips for encountering speeders on the road:
If you are in the left lane and someone wants to pass, move over and let them by.
Give speeding drivers plenty of space. Speeding drivers may lose control of their vehicle more easily.
Adjust your driving accordingly. Speeding is tied to aggressive driving. If a speeding driver is tailgating you or trying to engage you in risky driving, use judgment to safely steer your vehicle out of the way.
Call the police if you believe a driver is following you or harassing you.
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How can I avoid losing my Catalytic Converters?
For All California Residents, take care guys, Catalytic Converters are stolen from a lot of Cars.
Simplym you can avoid that by either park your car inside a private Garage or add Comprehensive Coverage your auto policy.
I rent my home or apartment, is there any insurance policy can cover my stuff?
Sure, California Renters Insurance Coverage:
Basic Coverage:
Program features included in our policy at no additional cost are:
+ Personal Property
+ Loss of Use
+ Personal Liability
+ Medical Payments to Others
Optional Coverages:
+ Scheduled Personal Property
+ Increased Limits – Extended coverage limits are available on for:
– Jewelry, Watches, and Furs
– Silverware, Goldware, and Pewterware
– Firearms
– Money and Securities
– Portable Electronic Equipment in a Motor Vehicle
– Business Property
– Credit Card, ATM/Debit Cards, Forgery & Counterfeit Money
+ Limited Coverage for Earthquakes
+ Other coverages:
– Business Pursuits Protection
– Permitted Incidental Occupancies – Residence Premises