Whether you have just moved to California or have been a resident for years, you need to cover your car in case of a wreck. The law in California sets guidelines, just like other states, as to the amount of insurance you must carry legally.
Required California Car Coverages
In California, the required bodily injury liability auto insurance coverage amounts to $15,000 per individual and $30,000 per accident. Property damage liability coverage requires that you buy at least $5,000 as well. You should also buy uninsured motorist bodily injury insurance and uninsured motorist property damage insurance.
Uninsured Motorist Bodily Injury Insurance
The uninsured motorist bodily injury coverage minimum is $15,000 per person and $30,000 per car accident. The property damage minimum for uninsured property damage coverage is $3,500.
Insurance Waiver
You may also be eligible to take out a deductible auto insurance waiver. This waiver makes it possible for your insurance company to pay the deductible on your vehicle should you be hit by an uninsured driver. You should also check into a good driver discount when shopping for coverage.
Getting a Good Driver Discount
Good drivers in California are defined as people who have been driving for the past three years or more and have not accrued one or more DMV points during the last three years. A point is assigned for a code violation or primary at-fault mishap.
If the driver was involved in a primary at-fault accident, the wreck must not have led to death or injury. Drivers who receive good driver discounts on auto insurance in Valencia, CA should also not have had a conviction during the past ten years for DUI, or a felony conviction.
Get More Information about Getting the Most for Your Money
You can learn more about discounts and coverage when you visit an agency such as the Heitz Insurance Agency in California. Find out what you need to do to save money and buy adequate coverage.
