In the state of California, you are legally required to have car insurance coverage on all of your vehicles. It is important that you get the right amount of coverage. If you don’t, it could carry legal and financial consequences. If you are hit by someone without insurance, you will also need to have this minimum coverage.
Here is the coverage you need to have and what it means.
Bodily Injury Liability Coverage
This type of coverage protects you in the event you are responsible for an accident. You must have at least $15,000 per person/$30,000 per accident limits or higher. This covers bodily injuries of the other driver.
Property Damage Liability Coverage
Property damage liability coverage pays for property damage when you are at-fault in a car accident. You must have at least $5,000 worth of coverage in this area.
Uninsured Motorist Bodily Injury Coverage
This coverage protects you in case the person who caused the accident does not have the legally required insurance. The requirements for limits of this coverage is the same as bodily injury liability coverage. It pays for bodily injury done to you or your passengers.
Uninsured Motorist Property Damage
This coverage also goes into effect when your car accident is caused by an uninsured motorist. You must have at least $3,500 in coverage for this part of your policy. It covers property damage to your vehicle if they are uninsured.
As long as you have these types of insurance coverage, you will not face any legal ramifications if you are in a car accident that you didn’t cause. If you are in a car accident and someone else was at fault, it is a good idea to hire an attorney to represent you and make sure you get the compensation you deserve. Contact us today for more information or to schedule your free consultation.