Like many other states, California requires drivers to possess auto insurance if you will be driving on the roads. California auto insurance is the best way to ensure that you are able to take responsibility for an accident financially and ensure that damages and injuries are paid for. However, as you look at your insurance policy from a company, you will need to ensure that your insurance meets the state required minimums to ensure you are properly covered. Once you are sure you meet the minimums you can choose to add on additional coverage if you wish later.
The state of California has set official minimums for their required California auto insurance, and if you are found to fall below these minimums you will be considered underinsured and unable to drive your vehicle on the road. Liability insurance generally possesses the minimum requirements, however these amounts include $15,000 for the death or injury of one person, $30,000 for the death or injury of more than a single person, and $5,000 for property damages. For some people these minimums aren’t enough to make them feel secure so most people will add onto their liability insurance to ensure they are secure.
If you are looking over your policy and still don’t feel as covered as you thought when originally purchased it. You can always purchase additional California auto insurance coverage for an extra cost. You can get comprehensive coverage for non-road related damages, collision to protect your car if damaged, under or uninsured driver in case of an accident with someone who isn’t properly covered, medical and funeral, rental, and towing and labor. Each of these additional coverages has a proper time and place, and it is completely up to you if you wish to purchase any of these coverages.
When it comes to California auto insurance, you never want to be the one without insurance as it can put you financially responsible rather than having an insurance company handle the expenses. You should also consult with your lender when looking for auto insurance for a new car that you are leasing or took a loan for. Lenders will have a lot to say about the insurance that they want you to have as well since they helped to invest in your vehicle and don’t want to see it destroyed. Simply ensure you feel safe with the coverage you purchase.