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California requires that every vehicle be insured with Liability insurance. Any vehicles that are being financed or leased are obligated by the finance companies/ banks to have more coverage. These are usually stated in the contract when you purchase or lease a vehicle. It is up to the owner of the vehicle, once it is paid off, to decide whether they would like to have extra coverage on their car. These are things that you can discuss with your insurance agent over the phone or in person.
🤕Liability Coverage
There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them if they are at fault.
Bodily injury: anyone who is in the vehicle at the time of the accident that is injured
Personal property: any vehicles or property that you damage in an accident
💥Collision Coverage
If you hit something, like another vehicle, or a fixed object, like a guard rail, lamp post, or telephone poll, Collision Coverage helps pay for the damages to your car.
🔥Comprehensive Coverage
Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft. If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.
⚠️Uninsured/Underinsured Motorist Coverage
These days, about 1 in 7 drivers are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
🚑Medical Payments
If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for some of their medical expenses.
We want our clients to know what kind of insurance they are paying for and what they need. Call us with any questions. We are happy to be of service and make sure you feel secure.
Best,
Get your FREE insurance quote here!
Posted Friday, November 11 2016 6:52 PM
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