The Difference Between Levels of Auto Insurance Coverage in Newhall, CA

The purpose of car insurance is to cover liabilities for policyholders when unexpected events happen. Despite the fact it’s required of all drivers in California, people still struggle to understand the service. Following is an explanation of levels of auto insurance coverage.

This Is the California Legal Minimum

Here’s how the legal requirement for minimum auto insurance in Newhall, CA, breaks down:

  • $15,000 per person and $30,000 per accident in bodily injury liability.
  • $5,000 per accident in property damage liability coverage.
  • $15,000 per person and $30,000 per accident in uninsured motorist bodily injury coverage.

Insurance providers understand this and always give Californian drivers the state minimum in liability coverage when they buy policies.

What Types of Coverage Are There?

Although not a complete list, the main three levels of coverage are liability, collision, and comprehensive insurance. Liability is the state’s minimum coverage level allowed for drivers and only covers the losses of others – not drivers themselves. Collision expands on this, providing coverage for drivers themselves if their vehicles become damaged in accidents. Comprehensive covers these things and more, including stolen and vandalized vehicles.

Coverage Requirements Differ by State

Keep in mind that, even if drivers are registered in California, they’ll still need to adhere to the minimum auto insurance requirements of other states if passing through, as coverage requirements differ by state. However, California’s minimum auto insurance requirements should keep drivers up to speed in most states.

This Is a Great Place to Get Covered

Heitz Insurance Agency, available online at https://www.heitzinsurance.com/ is one of the best places to secure auto insurance in Newhall, CA.

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