I Want To Buy Cheap California Vehicle Insurance

Reader’s Question:

What do I need to know about California vehicle insurance?

Mark

San Jose, CA

California vehicle insurance is pretty straightforward. The state requires its resident drivers to have liability coverage. The limits for this coverage are $15,000 for the treatment of a single person’s bodily injuries, $30,000 for the combined medical expenses of all persons injured in one accident, and $5,000 for any property damage. Although California vehicle insurance is compulsory for all drivers or vehicle owners, it can sometimes happen that a driver has a hard time getting insured. Drivers with motor vehicle records spotted with one too many citations or convictions can be often denied by providers. In such cases, the driver would most likely be put in the California Automobile Assigned Risk Plan or CAARP. This assigned risk plan hands over drivers who are unable to obtain insurance for whatever reasons to specific insurance companies who agree to provide liability coverage. The required limits for such drivers are $10,000 for bodily injuries of one person, $20,000 if more than two people were injured, and $3,000 for damaged property.

Other types of California vehicle insurance is collision and comprehensive coverage and uninsured motorist coverage. Unlike liability these coverage benefits the policyholder and covers him for any injury or property damage due to an accident. These types of insurance are not required by the state and so obtaining them would depend upon your needs.