California Auto with Autoowners Insurance Coverage

Auto Insurance

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Auto Insurance

If you have recently moved to California and are looking for insurance or have been here for a while and want to lower your insurance amount, the Independence Insurance Center can help. California has several unique insurance laws that make insuring a vehicle in this state slightly different than others, so it is vital to remain informed.

Auto Coverage and your Policy Options

The State of California requires drivers to carry specific coverages, including:

Bodily injury liability coverage

If you are at-fault for an accident that results in injuring another driver, passenger or bystander, bodily injury liability coverage aids in paying for three types of costs:

Property damage liability coverage

This type of coverage helps to pay repair damage if the accident impacts another person's vehicle or property. This is required by law in California and helps cover the costs if you are at-fault for the accident and resulting damages. This policy typically does not cover damage to your own vehicle.

Uninsured motorist bodily injury coverage

This coverage protects you, your passengers, and insured members of your household for costs associated with personal injuries, damages, or death if you are at-fault. It also covers your vehicle up to specific limits if hit by an uninsured driver. Coverage includes medical expenses, funeral expenses, pain and suffering, and loss of income.

Uninsured motorist property damage coverage

This type of coverage protects your insured vehicle when damaged by a driver without auto insurance. If your policy does not have collision coverage, this type of protection pays up to a specific amount for the insured car.

For more information on California auto insurance, contact our professionals at the Independence Insurance Center today! We can find a firm policy to meet your needs, so call or stop by!

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