The state of California requires all drivers to show proof of auto insurance that pays at least $15,000 per person for bodily injury in an accident ($30,000 per incident) and a minimum $5,000 for property damage. The state also requires drivers to carry uninsured motorist protection that pays at least $15,000 per person, or $30,000 per accident, if the at-fault party does not have enough indemnity protection to pay for all damages. Of course, the minimum in California may not be enough, given the high cost of living. In reality, an accident in Burlingame, CA could come with property damage fees that exceed $30,000. You need protection that pays all the bills.
The agents at Commercial One Insurance Service can help you determine how much auto insurance you need in California. It may be a good idea to consider the following factors when creating your plan.
Do you own property?
It is not uncommon for a person who lacks enough auto insurance coverage to pay for damages to have a lawsuit filed against them by the victims that demands payment for the remaining expenses. Your home may be at risk of a lien if you lose the suit but lack the cash needed to settle the offense. It may be a good idea, then, to consider an auto insurance policy that covers more than $100,000 in damages if you are a homeowner in California.
Do you drive often?
Those who commute by public transportation more than they drive to work may find the state minimum acceptable. You may need more insurance if you drive every day or if you use your car for work. Rideshare drivers should discuss their options with a Commercial One Insurance Service agent as incidents that occur while you are transporting passengers and goods may not be covered under a standard insurance policy.
Drive with confidence in California. Call Commercial One Insurance Service today to get started with a quote for an indemnity policy in Burlingame, CA!