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Standard Auto Insurance Coverage
In California, you must at least have these two coverages. You must have an active policy to operate your vehicle. Other states will require greater amounts of these limits and other coverages.
All policies include some variation of the following standard coverages:
Bodily Injury Liability.
Bodily Injury Liability covers in the event that you cause an auto accident in which other people are injured.
This means, that it will only cover the medical expenses of other people. People involved in an accident that was your fault. The minimum required in California is $15,000 per person / $30,000 per incident.
Property Damage Liability.
Property Damage Liability provides coverage in case your car damages someone else’s property. Usually, this means someone else’s car. But it could be a fence, light post, or something else. The amount that the State of California requires is $5000.
Medical Payments Coverage.
Now, this coverage will cover certain expenses of the people in your vehicle. It will cover certain medical bills.
In this case, it does not matter whose fault it was. It is for you and the people in your car.
Full Coverage Auto Insurance
Now that we have talked about medical bills for you and other people and the property of others. Let’s talk about what covers your vehicle
Full Coverage is not actually something that fully covers everything. You have to keep in mind that it just means that it will also cover your vehicle. You will have to choose a deductible. The deductible is the amount you will pay before your car is covered.
Collision Coverage.
- Collision Coverage is an optional coverage that covers damage to your car caused by impact with another car or object.
Comprehensive Coverage.
- Comprehensive Coverage is also an optional coverage that covers damages to your car caused by something other than a collision – like theft, fire, etc.