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We run a small, yet growing bike tour company in SF which presents a unique and challenging insurance need. Having previously worked with large insurance agency (Sweet and Baker, and with a handful of other brokers), we can say that Barbary Insurance and specifically Jerry, is the best in the business. Jerry was the rare broker who took time to listen to our needs, understand our business, and sincerely find us the best policy around. I can't stress enough Jerry's extensive experience, dedication and passion to help us-- we are so thankful. Jerry cut our policy premium in HALF (saved us over $3K) when our last insurer said that we had the lowest rates around and simply wanted to renew our policy. It should also be noted that we still have the same insurance company(!) and coverage! The broker makes all the difference. Jerry and Barbary will have our business for years to come. Bottom line: Barbary Coast Insurance has the experience and integrity to understand your needs and what your insurance should cost. Because of the complexity of our needs, Jerry shopped around aggressively and took the extra initiative to find us the best policy when no one one else would or could (and we approached EVERY top rated insurance broker on YELP). Thanks so much Jerry and Barbary!

Nicholas H.

What If My Financed Car Is Stolen?

Video Transcript

Hello, my name is Jerry Buccerra. I’m with Barbary Insurance Brokerage and today we’re going to talking about a number of property and casualty insurance issues. People ask, what could happen if the car I’m financing is stolen? Well, first of all a stolen car could be total loss or sometimes the cars are recovered and if they’re recovered, they’re often recovered burnt out or with lots of parts missing or damaged or driven off the road, so it could still be a total loss. And that’s a problem for you because if you still owe money on the car, even if it’s fully insured. You may not recover enough money to pay off the loan. That’s because automobiles are insured for the actual cash value. They’re depreciating the automobile for every day it’s on the road and every bit of use you’re putting on it and pretty soon that number is going to get down below or could get down below the amount that you owe on the car. The most important thing that you could do is ask for a special endorsement on your policy that covers the loan or lease gap and would pay the difference between the amount for the stolen car and the amount that you owed on the loan. This is Jerry Buccerra with Barbary Insurance Brokerage. I hope this was helpful for you.