In order to drive on California roads legally, every car owner in the state must possess California auto insurance. The best kind of insurance is the kind that offers comprehensive coverage at an affordable rate. Everything from bodily injury liability to property damages should be covered, and not just at the minimum level. The cost of accidents usually far exceeds that of the minimum coverage options. In the state of California, the minimums as of 2009 are ,000 for bodily injury liability per person; ,000 for bodily injury liability per accident; and ,000 for personal property damage liability.
While these minimums fulfill the requirements to legally drive in the state of California, most drivers choose more comprehensive coverage. This is exceptionally wise because these minimum coverage holders quickly find, in the event of an accident, that they are poorly underinsured. It is not uncommon for medical bills to exceed ,000, and some cases are upwards of 0,000 or more. For this reason, many motorists insure themselves for this much money to prevent a financial crisis if they are responsible for an accident. There are other kinds of insurance coverage than simply liability, such as uninsured motorist coverage, which should also be included in a savvy driver’s California auto insurance coverage.
» Read more: Insure Higher Than the Minimum California Auto Insurance Requirements