Avada Car Dealer News

Car insurance is a legal requirement in California, and it can also be a lifesaver if you’re ever involved in an accident. But with so many different types of car insurance coverage available, it can be difficult to know which one is right for you.  Before you start shopping for car insurance in Temecula, you’ll want to understand the various terms that you’ll encounter.  Remember, the licensed Temecula car insurance agents at Craig Davis Family Insurance are always available to answer your questions and provide a free, no-obligation quote.

When purchasing car insurance in Temecula, you’ll want to understand these coverage types:

Liability Insurance

This is the most basic type of car insurance, and it covers the costs of damage you cause to other people’s property or injuries to other people in an accident. Liability insurance is typically required by law in California, and it’s the minimum amount of coverage you should have.

  • There are two types of liability insurance: property damage liability (PDL) and bodily injury liability (BIL). PDL covers the costs of damage you cause to other people’s property in an accident. BIL covers the costs of medical bills and lost wages for people you injure in an accident.
  • The minimum amount of liability insurance required by law in California is 15/30/5. This means that you must have coverage of $15,000 for property damage, $30,000 for bodily injury per person, and $5,000 for bodily injury per accident.
  • However, it’s important to have more than the minimum amount of liability insurance. If you cause a serious accident, the costs of the damages could easily exceed the minimum limits.

Collision Insurance

This type of insurance covers the costs of damage to your own vehicle if you’re in an accident. Collision insurance is optional, but it can be a lifesaver if you total your car.

  • Collision insurance typically has a deductible, which is the amount of money you have to pay out of pocket before the insurance company will start paying. The higher your deductible, the lower your monthly premiums will be.
  • Collision insurance is not required by law in California, but it’s a good idea to have if you have a newer car or a car that’s worth a lot of money.

Comprehensive Insurance

This type of insurance covers the costs of damage to your own vehicle from things like theft, vandalism, and natural disasters. Comprehensive insurance is also optional, but it’s a good idea to have if you want to protect your car from financial loss.

  • Comprehensive insurance typically has a deductible, which is the amount of money you have to pay out of pocket before the insurance company will start paying. The higher your deductible, the lower your monthly premiums will be.
  • Comprehensive insurance is not required by law in California, but it’s a good idea to have if you have a car that’s valuable or that you need to use for work.

Uninsured Motorist Insurance

This type of insurance covers the costs of your injuries and property damage if you’re in an accident with someone who doesn’t have car insurance. Uninsured motorist insurance is optional, but it’s a good idea to have if you want to be protected in case of an accident.

  • Uninsured motorist insurance typically has the same limits as your liability insurance. So, if you have $15/30/5 liability insurance, you’ll also have $15/30/5 uninsured motorist insurance.
  • Uninsured motorist insurance is not required by law in California, but it is highly recommended because you never know when you will be involved in an accident with an uninsured driver.

 

Contact Craig Davis Family Insurance today to get a free quote on auto insurance in Temecula. We’ll work with you to find the right coverage for your needs and budget.  We’ll help you to protect what matters most.