Already on ArticleSlash?

Forgot your password? Sign Up

Guide to California Auto Insurance

 


Visitors: 176

If you need California auto insurance, you might be a little confused by all the choices available today. California auto insurance, like in all other states, is available in numerous packages with many types of coverage. Some coverage is required by your state while other types are required by car lenders, so it's wise to study up on insurance before making a choice. This guide briefly explains the types of coverage for California car insurance to help you grasp the basics.

Liability and Bodily Injury Coverage

Liability insurance for bodily injury protects you from claims against you if someone is injured in a car accident in which you are at fault. If you have an auto accident, this type of insurance covers the injured person's medical costs resulting from the injury up to a certain dollar amount. There is usually one dollar amount for coverage of a single person in the accident, and another cap amount for the total payment for all persons injured in the accident. This insurance also covers your legal defense costs.

When shopping for California auto insurance, be sure to get as much liability coverage as you can afford. Check around to see which companies offer the best coverage plan within your budget. It's better to be safe than sorry. Also keep in mind that for auto insurance, California laws require you to have a certain minimum amount of liability coverage even if you do not owe money on your car.

Property Liability Coverage

Property liability is similar to bodily injury coverage except it covers damages to the other person's vehicle in an accident in which you are at fault. It also covers damages to other properties, such as houses, fences, lawns, and telephone poles. As with liability for bodily injury auto insurance, California state law also requires a certain minimum amount of property liability coverage.

Collision Coverage

Collision insurance is usually required by lenders and covers damage to your own vehicle in an accident with another automobile or if you wreck by hitting other objects, such as signs, trees, ditches, or buildings. This coverage protects you if the accident is deemed to be your fault. If the accident is caused by another driver, their insurance will need to cover any damages to your vehicle. Companies offering California car insurance will often charge a certain amount for liability only, and then extra for collision coverage. These are usually based on your driving record.

Comprehensive Coverage

You might also want to obtain comprehensive coverage for additional protection. This covers theft and fire, or damage to your car by other means such as tornadoes, vandalism, floods, or hitting a large animal (such as a deer, cow, or horse). California auto insurance policies offering this coverage often vary from one company to the next. Some may offer to cover certain items within the package that others won't, so shop around to see what's available.

Underinsured or Uninsured Motorist Coverage

If a driver hits your car and has no insurance, this leaves you in a bind. They will likely not be able to pay for the damages even if it is their fault. This is where underinsured or uninsured motorist coverage can be advantageous. It covers damages to your automobile in these cases and also in the case of “hit and run. "

Other types of coverage to consider, which may or may not be included in your normal coverage, include towing, no-fault personal injury protection (PIP), medical coverage for yourself and others in your car no matter who is at fault, full glass coverage (for damaged windshields or windows), and car rental if and when you need to leave your car for long-term repairs.

Understanding each of these and how they work will help as you shop around for California auto insurance. Use online resources to find the right coverage for you today!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Learn more about Guide California Auto Insurance or Majon's Automotive directory .

(704)

Article Source:


 
Rate this Article: 
 
A Guide to Car Insurance in Southern California
Rated 4 / 5
based on 5 votes
ArticleSlash

Related Articles:

Cheap Car Insurance in California - How You Can Find Cheap California Auto ..

by: James J. Robinson (June 18, 2008) 
(Insurance)

Cheap Auto Insurance in California

by: Alexis Jensen (January 04, 2008) 
(Insurance/Car Auto)

A Beginner's Guide to California Auto Title Loans

by: Alisha Delphi (June 25, 2008) 
(Finance/Auto Loans)

5 Tips For Buying California Auto Insurance

by: Anthony M. Peck (June 29, 2008) 
(Insurance/Car Auto)

How to Comparison Shop For California Auto Insurance

by: Chris Robertson (June 15, 2008) 
(Insurance/Car Auto)

How to Find Cheap Auto Insurance in Los Angeles California

by: James J. Robinson (July 24, 2008) 
(Insurance/Car Auto)

5 Basic Guides For California Auto Insurance Consumers

by: Lanny Halim (August 14, 2008) 
(Insurance/Car Auto)

Avoid Pitfalls and Keep Your California Auto Insurance at a Low Cost Level

by: Chris Robertson (June 22, 2008) 
(Insurance/Car Auto)

San Jose Auto Insurance How to Find Cheap San Jose California Car Insurance ..

by: James J. Robinson (July 20, 2008) 
(Insurance/Car Auto)

A Guide to Car Insurance in Southern California

by: Stuart Brown (April 18, 2007) 
(Insurance)