If you own a car, then you are most likely aware of your state’s laws for having liability insurance coverage on your vehicle. This is a law no driver can get around and driving without this coverage could be putting you at risk in different ways. Most every state in the United States requires a minimum amount of liability coverage. Each state requires a different amount, but the amounts vary little by state. To ensure you and your vehicle are protected, should you be involved in an accident, it is imperative you have the coverage required. Through Insurance in San Jacinto, CA, you will not be breaking the law or putting your financial future at risk.
Understanding the Different Types of Coverage for Auto Insurance in San Jacinto, CA
There are five main types of auto insurance coverage you can purchase to protect yourself and your vehicle. Understanding these different types of coverage can assist you in making the decision on which ones you should purchase with your policy.
* Liability – This is the required type of insurance you must have at minimum. This covers the damages you create if you are involved in a vehicle accident that is your fault. It will only cover the other driver’s vehicle and damages and not your own. Each state requires a certain minimum requirement for drivers.
* Collision – Should you be involved in an accident, this coverage will pay for repairs on your vehicle. If your vehicle is totaled, it will pay you the value for your vehicle.
* Comprehensive – This type of coverage covers your vehicle for non-accident related damages. This includes hail damage and theft or vandalism.
* Personal injury protection – This pays for your medical bills and those of your passengers in the event you are injured in an auto accident
* Uninsured or Underinsured motorist – If you are hit by another driver, who has no insurance or a lack of insurance coverage, this type of coverage will cover your damages.
