Do You Have Enough California Car Insurance Coverage?
There are a lot of people on the road who either don’t have insurance at all (over five million in California) or who don’t have enough insurance to cover the injuries of the other driver should their negligence lead to a car accident. The limits for required California car insurance are fairly low, so it is important, taking these two things in mind, to consider adding on a couple of extra types of car insurance coverage, although it may raise your California car insurance quote.
- Underinsured motorist coverage.
This is for if the other driver’s insurance does not cover damage in the case of an accident. For example, if the damages caused to you and your vehicle are in a total of $40,000, but the insured only has $35,000 of car insurance coverage, then your underinsured motorist coverage will kick in to take care of the rest.
There are two different ways that this will work out. In some cases, the underinsured driver’s coverage amount will be added together with your own underinsured motorist coverage, and in other cases it will be subtracted.
- Uninsured motorist coverage.
Whenever you go to get your car insurance policy, the company must inquire whether or not you want to get uninsured motorist coverage. If you choose not to get this type of coverage, then you have to sign a waiver stating that you have declined, and then they can give you your California car insurance quote.
Uninsured motorist coverage takes care of your damages when get into an accident in which the other person does not have any car insurance.
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