Auto Insurance in California

Types of Auto Insurance Coverages

Like every other place, some auto insurance coverages are mandatory in California while other coverages can be added on for extra protection.

The five most common car insurance in California are:

• Liability coverage – A mandatory coverage, you have to get at least the minimum coverage as per the law. There are two parts to liability coverage and they are:
  • Property damage – it covers the cost of damage you might cause to others’ properties in an accident.
  • Bodily damage – it helps pay for the cost of injury or bodily harm you might cause to someone while driving.
• Collision coverage – Usually optional, collision coverage helps to pay for the damages caused when your car hits another vehicle or another object such as a wall, fence, tree, or road divider.
• Comprehensive coverage – Another optional coverage, you will be covered for damages to your car caused by a wide variety of things including theft, hail, fire, or vandalism.
• Medical Coverage – Medical coverage helps bear the medical costs of the riders in the insured vehicles in case of an accident when riding the vehicle. It is optional in California but mandatory in some other states.
• Uninsured or Underinsured Insurance – Optional in California, but mandatory in some other states, uninsured or underinsured coverage pays for your medical bills when you are involved in an auto accident that is the other driver’s fault but the driver does not have the necessary insurance coverage to cover your medical expenses.