What Is The Minimum California Car Insurance That You Need

When you are residing in California and own a car or two, having a California Car Insurance policy is one of the necessities that your finances should allocate. There are many cheap California Auto insurance policies that suit your needs and your car's. As a general rule, car drivers and car owners are required to shoulder the liability of financial expenditures during accident, though set at a minimum amount. This principle is especially applied especially when deaths occur from car accident. There are several types of auto insurance, including California Car Insurance. The first type is Property Damage and Liability. If you are at fault, this type of insurance covers the expenses for repair or replacement of the car with whom you had car accident with. There are several cheap California auto insurance companies that offer this type of insurance coverage. Even when they are already cheap, insurance quotes are even more competitive. Hence, your job is to look for one which offers the cheapest insurance premium while not compromising the services it should render when necessity arises.

In California, the minimum liability that the aggrieved party could reap from the at-fault party is $5,000 for property damage per accident. When death happens, the minimum liability is $15,000 for single death while $30,000 for multiple deaths. 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 second type of auto insurance is Bodily Injury liability, which is granted upon the wronged party to cover his medical expenses, or as the minimum death settlement money. If you are the car owner, you had better avail these two types of automobile coverage for it covers medical and car repair. 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? Specialized Car Insurance covers similarly as what Fully Comprehensive car insurance policy does. Nonetheless, it has one drawback. Most California Car insurance companies restrict the number of road miles the classic car should drive in a year. So if you have a classic car, consider the stipulations of the car insurance policy first. 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. At our site, DMV.com, we specialize in car insurance for all states. We specialize in getting you information on insurance. Go straight to our site for all the details you need. Do you want a car quote so you know what the cost is? Come to California cheap auto insurance to get the tips you need. We have a lot of insurance information for different cities at http://www.dmv.com .