With so many car insurance options available, it is hard to decide what coverage amounts you need to have. There is the legal amount you need in the state of California, but there are also many other coverage options that most people want to have so they are covered for an accident. Here are some of the most popular coverage options that people choose to have and the legal minimum car insurance in California.
Legal Minimum for Car Insurance in California
Most states require that you carry liability insurance, which is made up of bodily injury liability and property damage liability. The minimum coverage required by law in California is liability insurance of $15,000 for accident-related injury or death to one person, $30,000 for accident-related injury or death to multiple people, and $5,000 for accident-related property damage. If you drive a car, this amount of car insurance is required by law.
While this is not required by law, it is a very popular coverage option that most people add to their car insurance. This covers damage to your vehicle from things like fire, theft, vandalism, or natural disasters. Even if you are not in a car accident, there are still a lot of things that can damage your car that you would want to have covered.
Simply put, this coverage helps with damages to your car from an accident, rather than the other person’s car. It helps with accident damage, as well as if you hit a wall or fence. This may help you pay to replace or repair your car based on your coverage amount and the amount of damages.
Medical Payments Coverage
This type of car insurance coverage in California can help you or your passengers pay for medical bills from injuries from a car accident. Most people prefer to add-on this coverage to make sure not only their car is covered, but the people in their car are also covered for medical bills.
There are many other add-ons for car insurance coverage, but these are some of the more common insurance options. If you have additional questions about what coverage you need for your car insurance, one of our experts would be happy to explain things in more detail with you. Call us directly at 877-945-7233.