In the state of california, what coverage restrictions would i want to find for full coverage (automobile insurance)?
"Full Coverage" means different things to different people, which is why my organization and I avoid using this term. What most people consider full coverage consist of these coverages;
Liability
Medical Payments
Comprehensive (aka Other than Collision)
Collision
Rental Car
Towing Reimbursement
Unisured/Underinsured Motorist coverage.
Uninsured Motorist Property Damage.
People asking for "Just Liability" usually achieve the minimum 15/30/5, and not much more than that, although some companies (like the one I work for) encourage them to add uninsured motorist coverage.
As the individual before me pointed out, the minimum liability limits within CA are 15/30/5, and are not enough to protect most people within the event of an accident that results in even a minor injury. In the 5+ years I've worked within the industry, I've never had a person ask for those limitations as part of "full coverage". Here is what we usually quote people asking for "full coverage".
Liability 100/300/100 (per person/per accident/ property damage)
Medical $5000 (per person)
Comprehensive $250
Collision $ 500
Emergency Road Service
Rental Car Reimbursement of more or less $25 per day
Uninsured Motorist Coverage at 100/300
Uninsured Motorist Property Damage.
Keep in mind that have higher liability limits is extremely vital in suit-happy CA, and that if you have a correct driving record, is only going to be almost 15-20 more per month than the legal minimum would. Source(s): 6 years insurance industry exp
California current miminum liability limits are 15/30/5.
$15k per soul bodily injury coverage, $30k total accident bodily injury coverage and $5k property damage coverage. Again, these are the minimum precincts are and considered "full coverage" for the state of California. I assume you may be looking to have to most coverage possible. The additional coverages available to you are "a la carte". Those coverage are:
1. Collision: carry a deductible, for YOUR car when you have an luck, regardless of fault
2. Comprehensive: carries a deductible, covers you for act of god, thefts, vandalism, animal losses
3. Rental - self explainatory
4. Towing and labor - self explainatory
5. Medical Payment coverage: pays 100% of your medical bills up to the limit you hold chosen on your policy.
6. Uninsured Motorist: Covers you in the event the at fault individual does not have insurance. UM only covers you for your personal injuries, NOT harmed to your vehicle.
7. Unisured Property Damage: UMPD covers your vehicle should you be struck by an unisured motorist. It does carry a deductible which is usually less than your collision deductible.
So, basically make sure that when you are speaking with the agent that if you say aloud "I want full coverage" full coverage only refers to the states MINIMUM limits. Make sure that you specify ALL the coverages that you want.
Related Questions:
Liability
Medical Payments
Comprehensive (aka Other than Collision)
Collision
Rental Car
Towing Reimbursement
Unisured/Underinsured Motorist coverage.
Uninsured Motorist Property Damage.
People asking for "Just Liability" usually achieve the minimum 15/30/5, and not much more than that, although some companies (like the one I work for) encourage them to add uninsured motorist coverage.
As the individual before me pointed out, the minimum liability limits within CA are 15/30/5, and are not enough to protect most people within the event of an accident that results in even a minor injury. In the 5+ years I've worked within the industry, I've never had a person ask for those limitations as part of "full coverage". Here is what we usually quote people asking for "full coverage".
Liability 100/300/100 (per person/per accident/ property damage)
Medical $5000 (per person)
Comprehensive $250
Collision $ 500
Emergency Road Service
Rental Car Reimbursement of more or less $25 per day
Uninsured Motorist Coverage at 100/300
Uninsured Motorist Property Damage.
Keep in mind that have higher liability limits is extremely vital in suit-happy CA, and that if you have a correct driving record, is only going to be almost 15-20 more per month than the legal minimum would. Source(s): 6 years insurance industry exp
California current miminum liability limits are 15/30/5.
$15k per soul bodily injury coverage, $30k total accident bodily injury coverage and $5k property damage coverage. Again, these are the minimum precincts are and considered "full coverage" for the state of California. I assume you may be looking to have to most coverage possible. The additional coverages available to you are "a la carte". Those coverage are:
1. Collision: carry a deductible, for YOUR car when you have an luck, regardless of fault
2. Comprehensive: carries a deductible, covers you for act of god, thefts, vandalism, animal losses
3. Rental - self explainatory
4. Towing and labor - self explainatory
5. Medical Payment coverage: pays 100% of your medical bills up to the limit you hold chosen on your policy.
6. Uninsured Motorist: Covers you in the event the at fault individual does not have insurance. UM only covers you for your personal injuries, NOT harmed to your vehicle.
7. Unisured Property Damage: UMPD covers your vehicle should you be struck by an unisured motorist. It does carry a deductible which is usually less than your collision deductible.
So, basically make sure that when you are speaking with the agent that if you say aloud "I want full coverage" full coverage only refers to the states MINIMUM limits. Make sure that you specify ALL the coverages that you want.
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