March 19, 2024

Car Insurance Frequently Asked Questions
Liability Coverage (Bodily Injury& Property Damage)
Bodily Injury Liability – Injuries that you (the insured) cause to someone else is covered under this part of an car insurance policy. The minimum liability insurance coverage available for purchase in California is 15/30. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimum available in California.
Property Damage Liability – Damage caused by you (the insured) to someone else’ property such as their automobile, motorcycle, truck, house, or fence is covered by the Property Damage section of your automobile insurance policy, This coverage also assists in protecting your assets  if a lawsuit arises from a collision. The minimum coverage amount in California is $5,000.
Collision Coverage
Collision coverage covers damage caused to the owners vehicle from a collision caused by another vehicle or object. .The deductible is the amount you choose to pay upfront (if any) before the insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the California Automobile Insurance policy.
California Liability Coverage limits explanation:
15 / 30 / 5       15= $15,000    30=$30,000    5=$5,000
The first number represents the bodily injury liability maximum the insurance policy will pay for  any one person injured in a collision.  The  second number represents the maximum amount the insurance policy will pay for all injuries  in one  collision.The third number represents the maximum amount the insurance policy will pay out for property damage in any one collision.
Comprehensive Coverage
Comprehensive coverage covers damaged caused to the insureds automobile from risks such as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the automobile insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage costs within the automobile insurance policy.
Medical Coverage
Medical coverage pays for the medical and funeral expenses for you  or others hurt or killed in an automobile collision while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-rays, dental, professional nursing, prosthetic, and funeral expenses. It also covers you or family members if you /they are hit by a vehicle when you are walking or if you are riding in another car or truck. The coverage is often limited to medical care you get in the first one, two, or three years after the collision and is limited to a specific dollar amount. This is not required automobile coverage in California.
Uninsured /Under insured Motorist
Uninsured / Under insured motorist covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no or not enough liability insurance. This coverage is not required for automobile insurance in California.
Example of Uninsured / Under insured Motorist Limits:
20 / 40     20 = $20,000 40 = $40,000  The First number listed = uninsured motorist maximum for one person injured in an accident. The second number = uninsured motorist maximum for all people injured in an accident

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