In San Diego, CA, you can generally expect your auto insurance policy to kick in and cover the damages if:
- You have the appropriate coverage.
- The damages result from an incident like theft or a collision and not down to regular wear and tear.
- You file your report on time.
Going down these items point by point…
The mandatory minimum amount of insurance you are required to carry in California is a liability. Liability insurance will cover the damages if you are at fault, but only for the other party. Liability will not pay towards repairing or replacing your car under any circumstances. For that, you need, at the least, collision and comprehensive.
Wear and Tear
Cars will break down over time. There’s nothing that can be done about that. So the money you’re getting from your insurer for repairs will be for repairs resulting from an accident. You can’t ask your insurer to change your spark plugs for you or rotate your tires. Basic maintenance will have to be on your time and your dime.
File on Time
Simply put, your auto insurer needs to know that you were in an accident if they’re going to cover it, right? So you’ll need to get in touch and file a claim in a timely manner, typically within a month or so, but this may vary by provider.
If you have any questions or you’re looking to get covered in San Diego, CA, get in touch with Let’s Insure. You can call or get on the Let’s Insure website to see about getting a good deal on a great policy.
Basic auto insurance is what is mandated by the state. The amount and types of coverage required are not the same in every state. If you are driving in California or even parking in the state, you are required to abide by the laws. In California, liability insurance is required. Motorists must carry $15,000 in bodily injury per person with a maximum required of $30,000 and property damage of $5,000. At Let’s Insure in San Diego, CA, we have almost 20 years of service to our local community.
The primary liability limits in California are very low. For anyone who has any assets, they would fall woefully short of what the actual cost of an accident might be. If the cost of medical expenses or property damage goes beyond the limits of your policy, the responsibility to pay those bills falls to you personally. You could be forced to sell your assets, and your future wages could be garnished. This is not something that most people want to take a chance with
Liability insurance covers other people in an accident but gives no protection to your vehicle. If you are leasing a car or have a car loan, your lender or lessor will require that you carry more than basic auto insurance. In an accident where you are the party at fault, you must have collision coverage to protect your car. This coverage will allow you to repair or replace your vehicle. It also provides another vehicle for you to drive while you are getting your vehicle repaired. Comprehensive coverage will fix your car if an event beyond your control damages it. It also protects against theft and vandalism.
When you’re ready to discuss your auto insurance coverage at Let’s Insure in San Diego, CA, we are here to help you choose the best coverage for your situation. Call our office or stop in and let us give you a no-obligation quote.