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If you are in an auto accident, the first thing that comes to mind is “am I covered”? That would depend on both the coverage you purchased and your property/liability limits. The auto insurance policy is broken down basically into several parts. The main parts are liability, medical, uninsured motorist and property damage (comprehensive and collision). Other coverage you should discuss with your CA auto insurance agent is disability income, rental car, towing, windshield peck, gap, and more.

California state law will dictate the minimum auto insurance you will need to purchase. Current California Auto Insurance minimum liability limits are 15,000/30,000/10,000. CA minimum auto insurance limits do not go far in a wreck. If you are in an accident which involves bodily injury or there are serious damages to a vehicle or property, the above limits may not cover all the damages. This could leave you underinsured and potentially responsible for the difference in damages. You could be sued in excess of these limits as well.

The LIABILITY limits you purchase must be taken seriously. Your CA Auto Insurance agent should always advise that you purchase more than the minimum insurance amount required by state law. If you do not purchase enough liability insurance your assets and your possible future earnings could be at jeopardy. You should carry appropriate limits to protect your assets, equity, income, future inheritance, or whatever you may own of monetary value.

MEDICAL payments coverage on your CA auto policy will usually pay regardless of fault. The coverage limits usually range from 500 to 25,000 dollars. This is per person in the car, but be sure to cover this with a licensed professional auto insurance agent.

UNINSURED MOTORIST COVERAGE is the most misunderstood coverage on the policy. There are two types of uninsured motorist coverage. Bodily Injury (UMBI) is the first part that would actually extend to you and passengers in your car. Let’s say for insurance in California you had 50,000/100,000 coverage. If you were hit by a driver who ran from the scene or was underinsured to begin with and you were injured, you could collect up to 50K for medical damages, loss wages and pain/suffering. For two or more people in your car you would have an aggregate limit of 100K. The second part of uninsured motorist for your auto policy is property damage (UMPD). If you have comp/collision then you car is always protected and you could live without UMPD. However, having UMPD could waive your collision deductible in that situation. Of course if you do not have collision, UMPD would be primary in repairing your vehicle if hit by an underinsured or uninsured driver.

COMPREHENSIVE AND COLLISION coverage is pretty straight forward parts of your auto insurance policy. Collision and other than collision (Comp) covers your vehicle itself regardless of what happens to your vehicle. Comprehensive coverage covers your vehicle from theft, fire, wind/hail, falling objects or basically if something falls on your vehicle. Collision coverage will pay if your automobile is in an accident or hits your vehicle whether or not you are at fault. If you are at fault, your coverage is subject to your policy’s deductible. If you're not at fault and the other person has coverage then you will be paid by the other driver’s insurance company and your deductible will not apply.

Remember, always take the time to talk and listen to your licensed CA insurance agent. Go over your coverage fully and always protect yourself properly. This is what insurance is for, not just to make you legal to drive down the road. And don’t buy insurance on your home, auto or umbrella without clicking with us!

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