Auto Insurance in California
In the state of California, you are required to have a minimum amount of auto liability insurance to travel on the state roadways or to park your car on the state roads.
What is the Minimum Liability for Auto Insurance?
The bare minimum that you must carry in California is expressed as 15/30/5, meaning that you need $15,000 in liability for injuries or death of one person in an accident, $30,000 in liability for injuries or death of more than one person in an accident and $5,000 property liability coverage. Liability insurance will only pay out to another party for their losses but does not cover your losses in any manner.
What are Other Types of Auto Insurance Coverage?
To protect your car, yourself, and your passengers, you should consider having more insurance than the state-mandated minimum coverage in California.
Collision insurance from Dynamic General Insurance Services will pay for repairs or to replace your vehicle if it is damaged in an auto accident. Comprehensive coverage will pay for damages that occur to your car or replace if something other than a collision occurs, such as hail damage, theft, vandalism, or falling limbs. Uninsured and underinsured insurance coverage will pay for damages you incur in an accident when it's the other party's fault, and they have either no insurance or not enough to cover your losses. Medical payments will cover you and your passengers for injuries or hospital bills no matter which party is at fault for an accident.
At Dynamic General Insurance Services in Cathedral City, CA, we understand it can be confusing to purchase auto insurance, and we are here to help you. You can use our online quote tool to start a quote on your own or call us or come by the office in Cathedral City, CA to talk to a knowledgeable agent, so we can make sure you are covered.