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Auto Insurance California

Bodily Injury Liability

If you injure someone in an auto accident, this coverage pays for your injuries.

Collision

California auto insurance coverage pays for the cost to fix or replace your vehicle if it is damaged in a collision regardless of who is at fault. Lenders usually require you to carry collision.

Comprehensive Coverage

If your vehicle is damaged from acts of vandalism, hail, or contact with an animal, California auto insurance coverage pays to repair or replace your vehicle with one that is similar. If you lease or have an auto loan, your lender will most likely require this type of coverage.

Deductible

This is the amount you must pay before your policy kicks in. Generally, the higher the deductible, the lower the policy premium.

Liability Coverage

Most states require you to carry at least a minimum amount of liability coverage for bodily injury or property damages. You can get additional liability coverage by purchasing a personal umbrella policy. Talk to your agent to learn more about this type of policy.

Medical Payments

California auto insurance coverage pays for all necessary medical and funeral expenses for you or your passengers. It also protects you if you are injured as a pedestrian.

No-Fault Insurance

Not every state has no-fault insurance and systems vary from state to state. In general, no-fault insurance quickly pays for financial losses from minor accidents. Under a no-fault system, your insurer will pay medical expenses and lost wages caused by an accident regardless of who was at fault. This system saves time and money that would otherwise be spent in court as there are limits on the right to sue and, in some states, on what you can collect.

Personal Injury Protection

If you are injured in an accident, this coverage pays for medical services, loss of wages, and loss of services incurred by you or members of your family.

Property Damage Liability

If you damage someone’s car, a street sign, house, or building during an auto accident, your property damage liability coverage pays for those damages. This auto insurance coverage does not pay for damage to your own property. It also pays for your legal defense and damages assessed against you.

Uninsured Motorist Coverage

If you are injured in an accident and the person at fault does not have insurance, this coverage pays for your bodily injury damages. Some states require you to carry this type of coverage.

Underinsured Motorist

If you are injured in an accident and the person at fault does not have enough insurance to pay your medical bills, this coverage provides you with extra protection for bodily injury or death.

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