One question often asked by drivers is, how much coverage do I need? Do I have enough coverage on my vehicle if something happens? It’s good to review your auto policy to be sure you are driving with enough coverage in the even something does in deed happen.
Is California’s State minimum liability coverage enough coverage to keep you driving comfortably in California? California’s estimated population in 2009 was 36,961,664. There are so many vehicles on the road and so much risk of getting into an accident. If after an accident you’re found to be negligent, or at-fault for the damages, how quickly will your California liability coverage run out? If the vehicle is a 2000 model or newer, you may find yourself owing more to the other driver since (PD) Property damage coverage for the state minimum limits only requires you to carry $5,000. You will find many Agents in California recommend liability coverage with 100-300-50 limits. This is much better coverage and the great thing is, it doesn’t cost all that much more.
Statistics have shown California to be one State with the most hit and run accidents. With this in mind you may want to add collision and comprehensive coverage to your California auto policy. This information was taken from numbers calculated in 2007. Currently if you are charged with a hit and run in California, this can result in up to $1,000 in fines and 0 to 6 months in jail.
According to a study that was conducted by the Insurance Research Council, 18% of drivers in California are uninsured. This could possibly be one factor that results in hit and run accidents. California drivers may also want to buy uninsured and underinsured motorist coverage. If the accident is not your fault and they run, who will pay for your passengers or your own injuries. This would be covered with uninsured and underinsured motorist coverage.
So after reading this do you feel you have adequate California liability auto insurance? If you’re concerned with the amount of coverage you currently have you may want to consider comparing quotes online for a bit more coverage. By comparing quotes you may be able to save as much as 40% and get a little more coverage than you currently have. Comparison shopping can become a win win situation.
Compare quotes for low auto insurance in California. Visit low-insurance.org/auto/california/