 What's the recommended auto insurance coverage?
The recommended coverage is one which is affordable and protects an insured's investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured's legal liability as a result of automobile accidents.- Personal Bodily Injuries - the best way to protect your injuries is to purchase a medical or health insurance policy or better yet, if you already have one for you and your family through your employer. Auto insurance policies usually do not provide much medical coverage for the policyholders, for example, $5,000 max for the policyholder; not to be confused with liability coverage - provides (up to the policy limits) bodily injury coverage for injuries to others for which the policyholder is found liable as a result of an automobile accident. Keep in mind that you may suffer injuries from uninsured or underinsured people, in that case consider uninsured motorist for increased protection in a situation such as being hit by a driver who does not have an active policy.
- Liabilities - in order to be protected in case you were to be found liable for someone else's injuries or property damage, you should consider purchasing liability protection as described above with limits suitable to your needs. Keep in mind that you may be able to raise the coverage limits for a small additional premium.
- Property damage or theft to your vehicle - consider purchasing comprehensive and collision to protect against theft, vandalism, accidents, and other damages to your cars from a variety of perils.
- Transportation problems - when your vehicle is involved in an accident and inoperable or in repairs, having rental car coverage can help with the costs associated with renting an automobile.
A car insurance policy cannot prevent automobile accidents from happening, but it sure can help offset some of the financial loss or burden that might result from an accident. Another question to ask is: How much can I afford? Although the more protection the better, budget should also be a factor to consider. Be sure to be knowledgeable before purchasing in order to make an informed decision.
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Study the following to help answer the question: "What type of coverage do I need?"
Liability Coverage
 Liability policies are required by most state's laws for all registered autos; however, the minimum required liability limits depend on your State's laws. For example, California requires that your liability policy includes a minimum of $15,000 of bodily injury coverage per person, $30,000 bodily injury coverage as a total per accident, and $5,000 of property damage coverage.
Keep in mind that the minimum requirements may satisfy state laws, but may not be suitable for your needs. You must be aware that any injury or property damage as a result of an accident in excess of your liability limits may not be covered and may leave you responsible. Raising liability limits can help you protect your assets against lawsuits.
Keep in mind that you can request higher limits such as:
$15,000 bodily injury coverage per person / $30,000 bodily injury coverage per accident and
$10,000 property damage (abbreviated as 15/30/10)
or even
$100,000 bodily injury per person / $300,000 bodily injury per accident and
$50,000 property damage (abbreviated as 100/300/50)
Or anywhere in between. If unsure feel free to contact a licensed agent for an auto insurance coverage consultation. (866) 584-9539
Learn more about "Liability Coverage ".
Medical Payments Coverage
 Medical payments portion of a car insurance policy is designed to pay some of the medical costs that may result from an accident such as medical bills and/or funeral expenses up to the policy limit.
Most automobile policies do not provide large amounts of medical payments since most people carry health insurance either through private purchase or provided through work.
Most policies provide medical payments in the range of $500 to $5,000. The cost for this coverage in California may be in the range of $8 per month.
Learn more about "Medical Payments Coverage".
Uninsured Motorist Coverage
Uninsured motorists not only insures against the "Uninsured motorist" but also protects policy owners against the "Under insured motorist". Uninsured motorist is optional in some states and mandatory in others; However, it is recommended that it be added to a policy in the best interest of the insured. The limits can vary, however; they usually cannot exceed your liability limits.
Cost for this protection may be fairly inexpensive and is a good idea to quote for comparison purposes.
Learn more about "Uninsured Motorist Coverage".
Comprehensive and Collision Coverage
If you want coverage to your vehicles in case of theft, fire, vandalism, collision with animals, windstorms, flying objects, hail, broken windows, and at fault auto accidents, then you want Comprehensive and Collision Coverage.
If you are financing your vehicle, your finance company may require Comprehensive and Collision Coverage.
Cost for this varies depending on your vehicle. Some vehicle makes may be have a higher replacement cost and may lead to higher premiums.
Learn more about "Comprehensive and Collision" and about choosing auto insurance deductibles.
Rental Car Coverage
 Most insurers offer rental car reimbursement. Some companies offer rental reimbursement for as little as $2 per month. There are limitations as to how much money per day they will reimburse and how many consecutive days. This is fairly inexpensive, feel free to quote it.
Learn more about "Rental Car Coverage"
Road Side Assistance
Who wants to be stuck in the middle of the road with no one to assist you? Road Side assistance can range from $30-$100 per year. It will be worth it in case of breakdown, lockout, flat tire, etc.
Learn more about "Road Side Assistance"
Frequent asked questions about auto insurance Coverage:
- What Does Liability Auto Insurance Cover?
 There are two different parts to a Liability car insurance policy. The first part is known as Bodily Injury which pays for injuries sustained by a third party where the policyholder is found to be at fault up to a specified limit. The second part is Property Damage which will pay for...
- How Much Car Insurance Do I Need?
 The amount of auto insurance needed by a given motorist differs and comes down to a few different factors. First and foremost, all who intend to occupy the roadways must have enough coverage to to satisfy whatever law their particular state requires. Any additional protection would...
- Should I Buy Collision Insurance on an Older Car?
 It is usually suggested that when a vehicle becomes older in age and decreases in value to consider not buying Collision coverage when obtaining a policy or to eliminate the protection from an existing one. This is mainly because...
- What Does Full Coverage Auto Insurance Cover?
 When individuals refer to "full coverage" they are usually describing a policy that covers the state's mandatory requirements as well as the additional protection of physical damage to the policyholder's vehicle. Every state legally requires...
- What Does Auto Insurance Cover?
 The basic principle behind automobile insurance coverage is to cover the costs of injuries or damages resulting from traffic accidents and to protect vehicles against other perils such as theft, vandalism. Their are many different types of coverage, and ...
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