Auto Insurance Coverage

auto-insurance-coverage An auto insurance policy consists of several different coverages.

California requires auto liability insurance that covers bodily injury and property damage liability to protect the other party. 

This helps you when you are legally responsible for an accident involving your car.

In addition to liability coverage, there are several optional coverages you can select, such as:

  • Personal Injury Protection
  • Collision
  • Comprehensive Insurance
  • Uninsured Motorist
  • Underinsured Motorist
  • Rental Reimbursement
  • Emergency Road Service

Liability Coverage

Liability coverage is required by the state of California for all cars that you register.   The minimum liability varies by size and type of vehicle.

The minimum liability coverage required for a passenger car is as follows:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

Liability auto insurance pays legal defense and court costs, if necessary.

If you cannot afford liability insurance, you may be eligible for the California Low Cost Automobile Insurance Program. The California Low Cost Automobile Insurance Program is a state sponsored insurance program to help those in need.

Other coverage available

Physical Damage

This coverage will pay for loss of or damage to your auto or rental car, less the deductible on your policy, including fire, theft, explosion, hail, flood, glass breakage, falling or thrown objects and collision. Transportation expenses are also covered to a certain limit if your car is stolen.

Car Rental

If your car is disabled after and accident and you must rent another.


Towing, labor expenses and emergency roadside assistance if your auto breaks down.


All drivers in the household must be included or excluded from the auto policy.