Insurance The coverage of California Car Insurance is varied depending on your cars need and your need. In California, it is a car insurance law that every driver or car owner is responsible for financial expenditures arising from the accident. Cheap California Auto Insurance companies have the lowest premiums for all types of car insurance. 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. In order to meet the State requirement, several automobile insurance companies offer three types of auto insurance coverage. Two of such types are designed to be active when the driver is held liable for damages, while the other is somewhat like an emergency insurance. California Car Insurance companies have all these types and more. 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. California Car Insurance companies know the cause and effect of any car accident. They have studied all angles and analyzed any circumstance, which is why car insurance rates are reasonably competitive. Cheap California Auto insurance companies offer the best car insurance there is. 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. For its part, if you purchase this type of California Car Insurance, it does not cover all other events like what the other insurance policies do. Also, this policy is at most purchased by owners whose car is very old and of no value at all just like almost a junk car. Finally, Collision and Comprehensive auto insurance offers two types of compensation. Collision coverage is accorded for your car repair when you are held liable for the accident. On the other hand, Comprehensive coverage is given to your car when it incurs damage from any circumstance by another party or other incidences such as hurricane, theft and vandalism. Commonly, many States require live policy for auto insurance before the car is registered to the drivers or owners name. Each type of auto insurance is created for a purpose. Although it is a State law to have insurance at minimum coverage, it is still advisable to be equipped with good California car insurance coverage for emergency. 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. About the Author: for insurance information. Get all the details at ..dmv.. to find and purchase your vehicle insurance. Article Published On: 相关的主题文章:

 

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