California Auto Insurance

If you are looking for California auto insurance, then you may get confused to choose the right one! You will avail different options to have California auto insurance and that may make you confused easily. Like other states, California auto insurance is now available in different packages and loaded with several types of coverage. Such coverage is required by the state and some of them are the requirements from the lenders. So, it's always better to have a proper research before you buy California auto insurance. Grasping the basics related to California auto insurance will also help you to save more money on these policies.

Liability insurance for bodily injury

It's the liability insurance for bodily injury that can offer you coverage on different claims that has been implemented against you if there is someone who had been injured during the car accident. If you are at fault, then the liability insurance for bodily injury will cover the amount. This sort of insurance policy can cover the medical expenses which is required for the injured person. This sort of insurance policy will also cover your fees required for legal defences. When you are shopping for the California auto insurance, you need to offer more importance to get maximum liability coverage that you can afford to have. Look for the best companies that use to offer maximum liability coverage that also fits your budget. It's always better to remain at the safe zone than feeling sorry! You are also required to keep in mind that there should be minimum liability coverage as per the California laws, even though you don't owe money on your vehicle.

Property liability coverage

As far as the property liability is concerned, it is similar to the bodily injury coverage. However, it doesn't cover the damages done for the other party's vehicle. Even though you are at fault, then also the property liability coverage will not cover the damages done to the other party's car during the accident. As the name suggests, it will cover the damages received by the houses, lawns and fences. This sort of coverage also needs a minimum amount of overage due to the California auto insurance laws in the state.

Collision Coverage

Collision insurance is exactly needed by the lenders and it can even cover the damages achieved by your own car during the accident. If you have been wrecked by other elements like trees and signs on the road, this sort of coverage often protects you from the accident where you have been found as faulty. If the accident has been caused due to other driver's negligence, then his insurance will cover the damages made for your car. Companies that are involved in the offering of California auto insurance may announce some charges for the liability only and the extra to cover the collision. This sort of insurance is often based on your driving record.

Comprehensive coverage

If you really want to get additional protection, then finding the comprehensive coverage can offer you better results. This sort of coverage can even offer you benefits in terms of fire and theft like conditions that may occur to your car. You will also get coverage for your car during tornadoes, vandalism and damages occurred due to natural calamities. Damages occurred for the car due to flood and hitting by big animals can also covered with the comprehensive coverage. However, the coverage offered under this sort of policy may vary from one insurance agency to the other in California. Some may offer coverage on certain items with a single package and at the same time same sort of facilities may not be offered by the others in this business. All you need to shop perfectly so that you can find the best deal on such policy.

California Auto Insurance

Underinsured and Uninsured Coverage

If the other party has hit your car and he is not having any insurance, then this will leave you with a bind. Under such condition, they may not pay you for the damages even though they are having faults. This is where you can take advantage of the underinsured and uninsured motorist coverage to get maximum coverage for the damages. This sort of policy often covers the damages occurred for your car under such conditions and even when there is the scenario like hit and run.

There are also few other types of coverage that you can take into consideration and can add for your normal coverage like:

• Towing
• No fault personal injury protection
• Medical coverage for yourself and for other people involved in the accident, no matter who is having fault
• Full glass coverage for the damaged car windows

Understanding all these polices and coverage will allow you to get the best deal on your California auto insurance.

Under what sorts of circumstances one can review his California auto insurance coverage?

There is no such strict regulation to review auto insurance coverage in California. If you are coming across certain life change situation, then you can review the policy. Usually, people use to review the auto insurance after marriage, divorce and when they use purchase a new car. You can even review the coverage twice in a year.

What is the minimum coverage that drivers need to have in the state?Under what sorts of circumstances one can review his California auto insurance coverage?

As per the laws of California auto insurance, drivers needs to have a minimum of $15,000 for bodily injury coverage for a single person and $30,000 for the bodily injured people and $5,000 for the property damage coverage per accident. There is hardly any need to carry the uninsured motorist coverage while driving in California.

California DUI laws

1st drunk driving conviction:

• You may come across jail from 96 hours to 6 months
• The fine amount may vary from $1,000 to $1,600
• Your driving license will be suspended for 6 months
• You need to complete a program based on the driving under the influence
• You may be asked to install the ignition interlock device with your car
• For restricted license the California SR22 will be required

2nd drunk driving conviction:

• You may move for jail 90 days to one year
• The fine may vary from a minimum of $1,000 to $1,900
• Your license will be suspended for 2 years
• You may need to apply for the Restricted Driver License
• You must have to complete one Driving Under Influence Program
• For restricted license California SR22 certification will be required

3rd drunk driving conviction:

• You may opt for the jail from 120 days to 1 year
• The fine amount may move from $1,000 to $2,000
• You may come across license suspension for 3 years or so
• You will receive the designation as the Habitual Offender
• You can only apply for restricted driver licenses after one year
• Ignition interlock device will be a must addition for your vehicle
• You must have to complete a program for Driving Under Influence
• For restricted license the SR22 certificate will be needed