Here at AV Bumper to Bumper, we hate seeing customers who were uninformed about their car insurance coverage foot large, unanticipated bills for repairs. We encourage all drivers to learn about their particular policy and what will be covered by it. The following is a list of coverage options, and the damages that fall under them.
Liability
After an accident, liability coverage pays for medical expenses and lost wages to others involved. It also covers damage to property, including automobiles. In California, your policy must cover $15,000 for injury or death to a single individual and $30,000 to multiple individuals, as well as $5,000 for damage to property. Liability coverage will also pay for defense and court costs in the wake of an accident.
Collision
Collision coverage will pay for your own vehicle in the event of a car accident.
Comprehensive
This coverage is for any damage that’s not sustained in a vehicular accident. Natural elements including water, ice, wind and fire are covered. Additionally, if your car is vandalized or stolen, comprehensive coverage applies. It’s important to learn exactly what is and is not covered under your policy, as confusion can lead to large, unanticipated expenses.
Medical
This coverage pays for personal medical bills, and in unthinkable cases, funeral costs, no matter who caused the accident.
Uninsured/Underinsured Motorist
Sometimes, the other driver in an accident may have neglected or lapsed on their insurance. This coverage protects you from being hung out to dry.
Only liability insurance is required in the state of California, but both collision and comprehensive coverage are required to secure financing for a vehicle. California also offers its Low Cost Auto Insurance Program for individuals and families who can’t afford to insure their vehicles.
