Online Auto Insurance

California Auto Insurance Coverage

A California auto insurance policy is just like other policies in the other states. In the state of California you can also select the auto insurance coverage that you want but just make sure you first get the basic coverage required.  To satisfy the state law, a car owner or motorist needs only to get an auto liability insurance policy.  Even the minimum amount of coverage is also set and fixed by the state.  The auto liability insurance coverage has three categories.  Each category has a minimum amount fixed by the state regulators.

The first two categories refer to the injuries sustained by person or persons during the accident.  An injured person is covered by at least $15,000 dollars.  But if there is more than one person injured then the minimum coverage will not exceed $30,000 for that particular accident.  These two categories have been set up to provide financial help to those who were injured or even killed by the accident.  The auto insurance company will pay the other party if it is found that the insured motorist or car owner is the one at fault.  It is good if the amount of the minimum coverage is enough to pay the medical bills of the innocent party.  But if the amount is insufficient then the offending party must shoulder the rest of the bill that could not be paid by the auto insurance company.

The third and last category of the auto liability insurance coverage is the provision for property damages.  If the insured motorist or car owner is deemed to be the one at fault, his or her auto insurance company will pay for the repair or compensation of the said property up to $5,000 only.  This amount is the most an auto insurance company can pay for the damages to property.