How to Get Car Insurance with the Right Amount of Liability Coverage

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How to Get Car Insurance with the Right Amount of Liability Coverage

Liability coverage in your auto insurance can save your finances from getting crushed.

Even good drivers can face accidents. One distraction or a moment of blind sightedness can send you plowing into another person or their property (fence, beloved car, land, what have you). Fortunately, liability coverage within an auto insurance policy helps to pay for the damage that you cause to another person or their property.

When you’re behind the wheel of a vehicle, there are various types of risks that you face. While many are concerned about a collision with another vehicle, liability coverage aims to cover damages that you’re responsible for.

Currently, California auto insurance must include the following required minimum coverages:

  • Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
  • Property Damage Liability Coverage: $5,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
  • Uninsured Motorist Property Damage Coverage: $3,500 minimum

Should you find yourself in a situation where a truck and trailer have been struck by your car and the driver is demanding you to cough up the repair bills, your auto insurance can kick in to help.

While many motorists opt for the minimum limits, you should consider increasing your auto limits. You can usually opt to purchase limits higher than the minimum set by your state. This is ideal for those in a tight financial situation! If your insurance policy only offers up to $10,000 of coverage and you cause damage that costs $15,000, that remaining $5,000 is what you’ll have to pay out of pocket. Having a higher limit of liability coverage may help your wallet after an at-fault accident.

Discuss your desired coverage by contacting the professionals at Grand Oak Insurance Agency, serving motorists in Arcadia and neighbouring cities in California.

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