How To Pick California Cheap Car Insurance

There are three types of California Car insurance policy to meet the minimum legal requirement of State law. These are Fully Comprehensive Auto Insurance, Third Party, Fire and Theft and Third Party Insurance. When you choose to avail cheap California Car Insurance, rest assured that they have these policies for you. In general, all US States require minimum coverage for property damage and bodily injury. For instance, in California, the minimum liability for one death resulting from car accident amounted to $15,000 and $30,000 for multiple deaths in one accident. As for property damage, $5000 is the minimum liability per accident. Fully Comprehensive insures the car owner against all methods of events whether fortuitous such as earthquake and hurricane or car accident and theft. This type of California Car Insurance is very helpful in cases in which the party held responsible does not have or only has the minimum insurance. Uninsured and Underinsured Motorist coverage is a policy that can be activated in case the party at fault has little or does not have the resources to shoulder the expenses. This is the auto insurance policy that is similar to emergency fund referred in the previous paragraph.

Third Party, Fire and Theft policy covers few of what Fully Comprehensive policy does such as fire and theft. However, the automobile insurance companies do not shoulder the expenses if you damage your car by any means except collision against another car. When you are adjudged as liable for expenses during car accident, Property Damage liability is the first of two types of California car insurance policy that meets the State law. Such insurance coverage is bestowed upon the aggrieved party to settle payments for car repair or replacement. The third car insurance policy that even cheap California Auto insurance companies offer is Third Party Insurance, which is considered the basic of all auto insurance policies. It is also the cheapest insurance policy there is since the car insurance company only pays out in a circumstance wherein you hit a third party while being involved in a car accident and of which you are held responsible. Besides these three, there are other types of automobile insurance available, nonetheless, they are not considered as a requirement of any US State. The first type is Medical payments or Personal Injury Protection. California car insurance for its part, considers this as an add-on which covers medical expenses arising from any cause or circumstance.

This add-on feature, when you avail a cheap California Auto insurance policy makes it flexible since it does not even matter who is at fault in order to enjoy its benefits. If, for example, damage is incurred on your car due to unforeseen occurrence such as fire or earthquake, what type of automobile insurance can cover the expenses? Comprehensive coverage is another feature of California Car Insurance that is not required by any State to have. Nevertheless, it is also helpful because it pays for any expenses incurred for your car by any non-collision circumstance such as that which was mentioned in the previous paragraph. If you are held liable for car collision and your auto insurance covers the car repair of the aggrieved party, who shall cover the expenses for your car repair? Well, if you choose to avail the Collision coverage from California Car insurance, the question is deemed answered. We at DMV.com can help you get the right California car insurance. We specialize in information for coverage in the US. You don't have to search the internet and waste time. Do you want a car quote so you know what the cost is? Go to our site at Ca dui lawyers to get your free quote. Find the proper coverage for California without a mistake at http://www.dmv.com .