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California Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage.

A California car insurance policy is comprised of six common kinds of coverage followed by many optional coverage that suits each individual needs differently. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your automobile insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

What is covered by a California Auto Insurance policy?

Bodily Injury Liability
This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

Property Damage Liability
This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Medical Payments
This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car.

Collision
This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.

Comprehensive/Other than Collision
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium. Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

Uninsured and Underinsured Motorist Coverage
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

Uninsured Motorists Property Damage
Rates for $3,500 Property Damage Uninsured Motorists Coverage shall be offered under every auto policy issued or delivered to the owner of a motor vehicle principally used or principally garaged in the State of California to which:

  • Bodily Injury Uninsured Motorists Coverage is afforded; and
  • Collision Coverage is not afforded

Waiver of Collision Deductible
Under this coverage, the insured's Collision deductible will be waived in the event of an accident involving an uninsured motor vehicle.

Rental Reimbursement
Only applicable for vehicles with physical damage.
Coverage may be provided for any transportation expenses incurred by the insured as the result of a loss to a vehicle listed on the policy or a non-owned auto.

Towing Coverage
Your policy’s towing coverage provides towing service when you need it. Just contact the service provider of your choice and the insurance company will reimburse you up to your policy limit. Towing provides reimbursement for towing expenses from where your car broke down or after your involved in an accident.

Non-Recreational Trailers
Designed for Use with a Private Passenger Auto
A Personal Auto Policy affording liability provides coverage for trailers designed for use with a private passenger auto, pickup, or van at no additional charge, and without specific description of the trailer unless:

  • The trailer is used for business purposes with a vehicle other than a private passenger auto or owned pickup or van, or
  • The insured does not own a vehicle, or
  • The trailer is used as a residence or premises

Recreational Trailers
Designed for Use with a Private Passenger Auto
A Personal Auto Policy affording liability provides coverage for trailers designed for use with a private passenger auto, pickup, or van at no additional charge, and without specific description of the trailer unless:

  • The trailer is used for business purposes with a vehicle other than a private passenger auto or owned pickup or van, or
  • The insured does not own a vehicle, or
  • The trailer is used as a residence or premises

A recreational trailer is a non-self-propelled unit equipped as living quarters (cooking, dining, plumbing, or refrigeration facilities). The insured must maintain a separate and permanent residence other than the recreational trailer.

Motor Homes
A motor home is a self-propelled motor vehicle with a living area that is an integral part of the vehicle chassis, or a pickup with a permanently attached camper body. The living area or camper body must consist of facilities for cooking and sleeping.

Limited Mexico Coverage
The policy is extended to apply to accidents occurring in Mexico on a trip of ten days or less if within 100 miles of the United States border.

Death and Disability Coverage
Automobile Death, Dismemberment, Loss of Sight and Weekly Indemnity is available to a designated insured, or to the designated insured and eligible members of his family under a policy affording auto bodily injury liability insurance with respect to a private passenger automobile.

Auto Loan Lease Gap Coverage
A policy providing both Collision and Comprehensive coverage may be extended to provide coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle, and the actual cash value of the vehicle, subject to the following:

  • Auto Loan/Lease Coverage may be provided only to a vehicle that is a private passenger auto, pickup or van.
  • Coverage may not be added for vehicles more than three model years old.
  • The insured must request the auto loan/lease coverage within 30 days of leasing or financing a Vehicle.

Discounts
PACKAGE PLUS- When Homeowners is combined with Automobile you can save up to 25% discount on each policy.

 

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