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Everything You Ever Wanted to Know About California Car Insurance

California is the place to live—surf, sand, and sun. In recent years, people have been flocking to live the California dream. Because of the rise in population, the roads have become crowded and most drivers are at a higher risk than ever of getting in a collision. While California’s scenery and attractions are more than worth the residence, driving around on the busy streets can be disconcerting.

Liability Coverage
With so many busy streets, California, not unlike most places in the US, requires every driver to have liability insurance. This particular type of insurance pays for damages to the other car if an insured driver happens to be at fault for a crash. For California, the minimum amount of insurance requires that a driver has at least $15,000 to pay for medical expenses if only one occupant was in the other car, $30,000 for the collective amount needed to cover all other occupants involved, and $5,000 for any auxiliary property damage that occurred because of the collision.

Collision & Comprehensive Insurance
Even though liability insurance covers the cost for the wronged driver, the driver at fault is left responsible for the damages to their own property. Collision and comprehensive insurance exists to pay for all the damages caused in a collision—even those of the driver at fault. Some comprehensive and collision insurance even go to the extent of covering costs of needed repairs to the insured vehicle that are less than the deductible, apart from damages caused by the collision.

Uninsured/Underinsured Coverage
Uninsured or underinsured drivers are out there too. Having insurance that specifically covers accidents caused by them is prudent. Drivers covered by this kind of insurance would be protected if they were the victims of either a hit and run or an uninsured driver.

If you have been seriously hurt in a Southern California car accident, you need an experienced Santa Monica car accident attorney on your side. Working with the insurance companies is not an easy task and it can be overwhelming.

Contact us today for a free case evaluation by calling (800) 989-6385 or filling out our online form.

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