In addition, coverage can include compensation for medical payments, lost wages or even funeral costs. If you’re in an accident, this coverage can pay for treatment if you or a passenger is injured. Medical payments or personal injury protection (PIP).Collision coverage protects your car from damage resulting from another vehicle, and comprehensive coverage covers your car from non-crash-related damage. Collision and comprehensive coverage pay to repair or replace your car if it’s damaged, destroyed or stolen. Buying liability insurance alone leaves your car vulnerable to property damage. Collision and comprehensive insurance.

So, if you’re at fault for a catastrophic collision, umbrella coverage can protect your financial resources from a hefty lawsuit.Ī few other coverages you may want to consider include: If your coverage needs exceed the limitations of your auto and home liability limits, an umbrella policy is an affordable way to get adequate liability protection. Therefore, increasing your liability limits could be a smart move to make. So, if you don’t have adequate liability coverage to protect all of your assets (investments, savings accounts, etc.), you could put your financial well-being in jeopardy. In addition, lawsuits can be costly, if not financially devastating. A $200 to $500 fine for the second offense within three years of the first plus penalties.įor starters, state auto liability requirements are usually lower than what you need.A $100 to $200 fine for the first offense plus penalties.For example, if you’re caught operating a vehicle without adequate coverage, you could face the following penalties: There are consequences for not meeting California’s auto insurance requirements. Penalties for Driving Without Auto Insurance in California In the state of California, you’re authorized to provide proof of coverage via mobile phone or paper copy you keep in your vehicle. Conversely, if you’re the victim of a collision, you can make a claim against the other driver. When you’re legally liable for the injuries or property damage caused to someone else, liability insurance can compensate that individual. When you operate a private vehicle in the state of California, you must meet set liability insurance requirements. Related: Compare Rates On Car Insurance With EverQuote Auto Insurance Requirements in California So, to help you find the best rates available, follow this advice for finding the cheapest rates in California. Securing a cheap auto insurance premium is a top priority for many California drivers.

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