All area residents who own a motor vehicle are legally required to have Auto Insurance in Santa Cruz. The auto insurance required by the state of California is designed to provide only a minimal level of coverage, so it is up to the individual as to whether they purchase additional coverage. Here are the requirements for auto insurance coverage for California residents today.
The Minimum Requirements For Car Insurance in California
Every auto insurance policy in California must include bodily injury liability in the amount of $15,000 per injured person and $30,000 per accident regardless of the number of people who were injured. It is important for policyholders to be aware that liability coverage includes only other people who are hurt. The policyholders themselves must purchase collision coverage if they want to make sure that their own medical needs are taken care of in the event of an accident that they cause.
The property in an accident, namely the vehicle involved, must be covered by property damage liability insurance according to California state law. The property damage liability insurance must be $5,000 at a minimum. Many people choose to purchase additional liability insurance in this area, however. The property damage in an auto accident will often exceed the minimum amount required by law so, to avoid having to go into their own pocket, many people buy double or even three times the minimum amount.
Collision and Comprehensive Coverage
Collision and comprehensive coverages are both completely voluntary. However, the majority of auto insurance agents highly recommend that their clients opt in for these coverage types. Collision coverage is insurance that will compensate the driver for their vehicle damages as well as for their personal damages if they are the ones who caused the accident. Comprehensive coverage is designed to cover the types of damages that happen when a person is not on the road. For example, vehicle damage from a fallen tree would be covered under this area of the policy. When looking for Auto Insurance in Santa Cruz, consider talking to the team at Coast Auto Insurance. Find their website at Coastautoinsurance.com now.Add to favorites