California Auto Insurance
Different states have different laws concerning auto insurance. Each state governs how much insurance and what type of insurance each driver is required to carry. There are also certain types of insurance that are optional and that can be purchased in addition to insurance that is required by the state. In the state of California, every driver is required to carry liability coverage, which includes coverage for property damage as well as bodily injury.
Property damage insurance provides coverage for any damage that may be caused to another person's property during an accident as well as any associated legal costs. In California, property damage insurance must provide at a least $5,000 per accident to any property belonging to someone other than the insured that is damaged or destroyed during the accident.
Bodily injury insurance pays for any injuries inflicted on other individuals during an automobile accident. California requires bodily injury insurance to provide a minimum of $15,000 coverage for any individual injured per accident, and a minimum of $30,000 for all persons injured per accident.
Optional auto insurance coverage in California may include uninsured/underinsured motorist, collision, comprehensive, personal injury, and no-fault. However, just because a particular type of insurance coverage is optional, does not mean that it is wise to forgo it. It all depends on the kind of car you drive, who is driving the vehicle, the age of the person driving the vehicle, and that persons driving history. Where you live and drive should also have an impact on the insurance coverage you choose. If you feel that you are at high risk for an accident then it might be a good idea for you to purchase additional coverage.
As is the case in any state, it is always best to comparison shop before you choose an insurance company or agent. Each insurance company calculates their rates differently it is possible to find several different prices for the same coverage. Don't pay more for auto insurance than you absolutely have to.
It is important to know what kind of auto insurance coverage your state requires you to carry. Not only does it protect your fellow drivers in the event that there is an accident, it also protects you. You never know when an accident may occur and you don't want to have pay out of pocket what could have been covered by insurance. Make sure you are covered.