The state of California requires all of its residents who drive to have Insurance Policies in Murrieta CA. While liability insurance coverage is the only type technically required by the law, many people elect to purchase extra coverage for their own personal protection. However, the majority of lenders require people who are purchasing new cars to carry not only liability but also collision and comprehensive coverage.
The Minimum Auto Insurance in California: Liability Coverage
All auto Insurance Policies in Murrieta CA must include $15,000 in personal injury coverage or death for an accident in which one person was impacted. In accidents where two or more people were impacted with injury or death, the policy must cover $30,000. Finally, all liability auto policies in California must include $5,000 in property damage insurance. This is typically the coverage that will pay for vehicle repairs, but it could also be used to cover personal property inside a victim’s vehicle at the time of the accident.
Other Coverage Options in California: The Optional Insurance Types
Companies like Barranca Insurance Services Inc. offer well-rounded policies that include not only liability coverage but also uninsured motorist, collision, and comprehensive coverage. Uninsured motorist coverage also includes an underinsured motorists. If a policy holder is hurt or has a damaged vehicle due to a driver who has no coverage or who has insufficient insurance coverage, this personal coverage will pay for damages.
A collision policy, as the name applies, is there to cover the auto collisions. Usually, this involves wrecks on the road, but it can technically also cover other kinds of collisions, for example running into a wild animal. Collision only applies to the damage caused if the vehicle was moving. Other kinds of damage that happen while the vehicle is stationary fall into the comprehensive category.
Comprehensive coverage is meant to cover most car damage or loss situations that do not happen on the road. One of the most important things that comprehensive auto insurance covers is theft of a vehicle. It also covers situations like weather damage and animal damage. Every policy can be unique, so ask for a custom policy to make sure that all points are covered.
