 |
|
 |
We will get you insured even if you have:
Multiple Tickets or Accidents, DUI-s, Major Violations, Suspended License, International License, No License at All, Young Drivers, In Need of Immediate SR22.
|
CALIFORNIA PERSONAL AUTO INSURANCE
There is a lot to know about Personal Auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.
Personal Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
- Liability (Bodily Injury & Property Damage To Others) This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury. The bodily injury or property damage must be accidently caused by you or a resident family member while driving your (or any non-owned) car. Liability coverage for property damage does not apply to the damage done to your car or other property you own. California requires that all motorists of private passenger vehicles maintain minimum Liability insurance:
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for damage to property.
- Medical Payents. The last thing you need to worry about at the time of an accident is your medical insurance. The Medical Payments portion of an auto insurance policy covers you, your family members and any other passengers in your car for any necessary medical and dental services due to bodily injury caused by an auto accident.
- Underinsured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.
-
Personal Injury Protection (PIP) is often referred to as "no-fault insurance." PIP coverage not only covers necessary medical and hospital expenses, but it can also help pay for lost wages and loss of services while you're recovering.
-
Collision coverage pays for damage to your vehicle caused by any accidental impact with another vehicle or object, and includes if your vehicle overturns. The maximum amount you'd receive under Collision coverage is the actual cash value of your vehicle minus the deductible you chose for this coverage.
-
Comprehensive coverage is a specific type of insurance that provides coverage for most types of damage to your car, as a result of an accident other than a collision. Typical scenarios where Comprehensive coverage applies include: breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with an animal. The maximum amount paid under Comprehensive coverage is the actual cash value of your vehicle minus the deductible you chose for this coverage.
ADDITIONAL COVERAGES
in PERSONAL AUTO INSURANCE POLICY
Rental Reimbursement. This coverage pays for renting a car when your auto is disabled due to an auto accident. Daily allowances or limits depends upon policy provisions.
Emergency Road Service. This coverage pays for having your auto towed due to a breakdown. Towing limits vary by company and depends upon policy provisions.
First Knight Insurance is an Independent Agency with a variety of different Insurance companies to choose from. We can help our clients to identify the best combination of coverage, value, and price. Call us to ge a professional consultation.
