California Auto Insurance Coverage

If someone were to ask you what is covered under your California auto insurance policy, would you be able to answer them? Most of us would probably have a hard time confidently answering this question. It is beneficial for you to know the types of coverage offered under your auto insurance policy. The more you understand the policy, the more peace of mind knowing you’re protected against the unexpected. To help you develop a better understanding of your policy, here are types of coverage that it may include.

California Auto Insurance

Liability Coverage

Liability coverage protects you against financial liabilities resulting from accidents, death or damage to someone’s property. In California, you are required to have two forms of liability coverage:

  • Bodily injury liability

Bodily Injury liability coverage pays for medical expenses caused by an incident for which you are found at-fault. If you or others listed on your policy were to injure a third party with your vehicle, it would be covered under your bodily injury liability coverage. Not only does bodily injury liability cover medical expenses, it can also help cover lost wages of the injured party.

  • Property damage liability

Similar to bodily injury liability, if you or someone on your policy collide with another person’s vehicle or property, your property damage liability coverage will assist you in paying for repair or replacement costs.

Uninsured Motorist Coverage

Uninsured Motorist Coverage is part of a car insurance policy that helps pay for your medical bills or car repairs when a driver without insurance is found at-fault for an accident. For example, an at-fault driver hits your car and doesn’t have car insurance, you may have to pay out of your own pocket for those expenses if you don’t have uninsured motorist coverage.

Underinsured Motorist Coverage

Much like uninsured motorist coverage, underinsured motorist coverage helps protects you if you are involved in an accident caused by an at-fault driver who has insufficient auto insurance.

Medical Coverage

Medical Payments Insurance helps pay medical expenses of policyholder, passengers, and family members that are injured in a car accident. Moreover, medical payments coverage moves with you, meaning it covers injuries you sustain even if you’re outside your car.

Comprehensive Coverage

Comprehensive car insurance helps pay to replace or repair your vehicle caused by covered events such as theft, vandalism or riot, which are not collision-related.

Collision Coverage

This covers damage to your vehicle in the event of a covered accident caused by contact with another vehicle or object such as a fence or a tree. Collision coverage is required if you’re leasing or financing your car. Collision coverage is not part of the mandatory minimum coverage in California. But, collision coverage can be beneficial in helping you cover damages to your vehicle in case of an accident.

California Auto Insurance

Minimum California Car Insurance Coverage

California mandates that all vehicle owners within the state should have at least a minimum amount of car insurance. The minimum liability coverage required by law is 15/30/5. This means California requires drivers to carry at least the following auto insurance coverages:

  • $15,000 for injury or death to one person (another driver, passenger, pedestrian, etc.) in an accident you cause.
  • $30,000 for injury or death to more than one person in an accident you cause, and
  • $5,000 for minimum limit for Property Damage coverage per accident.

It might seem tempting to opt for only the required California minimum car insurance coverage. But,  everyone’s car insurance needs are unique. While it might save you money upfront, it is not enough to pay to replace a newer car model or for serious medical bills. Most people purchase additional insurance to protect themselves further.

If you need help to decide on the right type of auto insurance coverage, contact us at (844) 234-5600  today!