The state of California mandates that every driver and vehicle owner must have a minimum amount of liability insurance coverage. However, people are often surprised to find that insurance policies sold as meeting this requirement actually cover very little. So what damage does car insurance cover in Visalia, CA? Let’s find out.
Types of insurance
Individual car insurance policies are typically divided up into different components, which allows the policy holder to customize their insurance plan and choose the type and amount of coverage they want. There are four main types of coverage: liability coverage, personal injury protection, collision coverage and comprehensive coverage. Let’s take a closer look at these four types.
Liability coverage is the bare minimum required by the state of California and most other states in the U.S. There are two parts to liability coverage. Bodily injury liability helps cover costs related to another person’s injuries if you are at fault in an accident. Property damage liability covers the costs of any damage you may have caused to another person’s property while driving. It’s important to note that liability insurance does not cover your own injuries or damage to your own vehicle.
Personal injury protection
Personal injury protection is insurance that covers you and your passengers. Just as liability insurance covers another person’s injuries, personal injury protection covers the medical costs for you and anyone else in your car. Some personal injury protection plans may also cover other expenses incurred due to your injuries, such as lost income from time out of work. While personal injury protection is required in some states, it is not a requirement in California.
Collision coverage covers damage to your car in an accident. While collision coverage is optional, some leaseholders or lenders may require that you obtain collision coverage to help cover the investment. Whether you are involved in an accident with another vehicle or hit an object such as a tree or lamppost, collision coverage will help cover the cost to repair or replace your vehicle.
Comprehensive coverage helps cover the cost to repair or replace your vehicle if it is damaged when it is not being driven. For example, damage caused by hail, fire, flooding and vandalism may all be covered under comprehensive coverage. In some cases, comprehensive coverage may also cover the cost of your vehicle if it is stolen. As with collision coverage, comprehensive coverage is usually optional, unless your leaseholder or lender requires it.
Regardless of your car insurance coverage in Visalia, CA, Tom’s Body & Paint, Inc. will work with you and your insurance company to help with paperwork and claims processing. We’ve worked with a wide range of insurers and have the capabilities to provide quotes up front. We know that the last thing you want to do after being in an accident is have to manage the back and forth with your insurer on your own. By working with us, you can help minimize the stress of the claims process. To learn more about how we can help you, contact us today.
Categorised in: Auto Insurance
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