This coverage protects you if you are involved in an accident and cause damage to someone else’s property.  This coverage is required by California law to have.  A minimum policy limit of $5,0000.00 is required in the State of California.  While this is the minimum required, this office recommends a minimum of at least $25,000.00 or more.

This coverage pays for medical expenses from an accident for either yourself or your passengers, regardless of fault. In other words, if you were at fault for the collision, you can use this provision to pay for medical bills incurred by you or any other persons in your vehicle until the insurance limit you select is reached.  Additionally, reimbursement for your health coverage deductibles can be made under the medical payments coverage of your auto policy. It can pay for emergency services, such as ambulance services, which is not covered by many health insurance plans. It can also be used for treatment such as acupuncture, massage or chiropractic manipulations if such options are not available through your health insurance.  This is optional coverage and must be requested.

This coverage pays for damages to your vehicle caused by something other than a collision. Some examples are vandalism, theft, and damage due to animals, fire or flood. This coverage pays to fix your vehicle less the deductible you choose. The deductible you select should be what you feel comfortable paying out of pocket.  This is optional coverage and must be requested. Remember, if you have a car loan, your lender will require that you have this coverage. It is your responsibility to request this coverage.

Most auto insurance companies offer uninsured/under-insured motorist coverage. If you have this coverage, you can seek reimbursement through your own insurance company. Since many California drivers are uninsured, we recommend that you carry a minimum $100,000/$300,000 UM coverage.