Reasonable care refers to the level of caution and diligence expected of an insured person to prevent loss or damage. It’s a standard that varies depending on the specific circumstances and the type of insurance policy.
For example, in homeowner’s insurance, reasonable care might involve:
In motorcycle insurance, reasonable care might involve:
If an insured person fails to exercise reasonable care, the insurance company may deny a claim or reduce the amount of coverage provided. It’s important to note that the specific requirements for reasonable care will vary depending on the policy and the circumstances of the loss.
In essence, reasonable care is about taking prudent steps to protect your property and prevent accidents. By doing so, you can help ensure that your insurance coverage is effective and that your claims are processed smoothly.
At PSIC, we strive for transparency and fairness in our insurance policies. Before issuing a policy, we conduct thorough inspections of properties or vehicles to assess their current condition. This helps us accurately determine the level of coverage needed and identify any pre-existing damages.
Regarding motorcycle insurance, we understand that bikes can have wear and tear or minor cosmetic damage that may not affect their functionality. However, we’re unable to provide comprehensive and collision coverage for pre-existing damage. This means that if your motorcycle has existing scratches, dents, or other damage prior to the policy’s effective date, it won’t be covered under these specific types of coverage.
If you have any concerns about pre-existing damage or the specific coverage options available for your motorcycle, we encourage you to contact your agent. They can provide personalized guidance and help you understand your policy’s terms and conditions in detail.
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5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807
Copyright © McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
Privacy Notice at Collection for CA employees
Last updated: June 27, 2023
We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.
Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.
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We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.
When it is no longer necessary to retain your personal information, we will delete or anonymize it.