Obtaining Auto Insurance in California

2 minute read

In California, like many other states, it is illegal to operate a vehicle without proper insurance coverage. While that coverage can come in multiple forms, i.e. providing a cash deposit of $35,000 to the California Department of Motor Vehicles, or purchasing a bond from an insurance company in that same amount, typically drivers and drivers-to-be simply purchase auto insurance that meets or exceeds the state’s minimum requirements.

In California these minimums are set at $5,000 for property damage, $15,000 for bodily injury/death for one person, and $30,000 for injury/death for more than one person.

Often times the minimum coverage guidelines are not enough for a driver’s “peace of mind”, so additional insurance is available. At Auto Insurance Specialists we help California drivers find options including:

  1. Bodily injury liability
  2. Property damage liability
  3. Medical payments
  4. Uninsured motorists coverage
  5. Comprehensive physical damage coverage
  6. Collision coverage

 

Bodily injury insurance can be purchased in amounts that far exceed the state minimums as can property damage insurance. We can help you decide what is best for you. Medical payments typically cover any injuries you may have in an auto accident regardless of fault, and uninsured motorist covers you, as the name suggests, if you are in an accident that is the fault of a person who doesn’t have any coverage. Collision coverage takes care of damage to your car in an accident which is your fault or with an unknown hit and run motorist.  Finally, comprehensive coverage is for damage to your vehicle from occurrences like theft, vandalism, fire, hail, etc. To learn more about the right coverage for your needs request a California auto insurance quote today.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.