Why You Need More Than the State Minimum Coverage

If you have an old car or are on a strict budget, it’s tempting only to get the state minimum coverage on your auto policy in San Diego, CA. Even though you may think you’ll save money, you may actually pay more in the long run if you get into an accident. Rancho Del Sur Insurance Services Inc. can advise you on how to save money on your policy while keeping yourself adequately protected.

California’s Minimum Requirements for Auto Policies

California requires your auto insurance policy to have liability in the amount of $15,000/$30,000/$5,000. These figures represent the maximum amount your policy will pay for bodily injury per person, per accident, and for property damage. If an accident is extensive or catastrophic, those figures are quite low and will not cover your costs or that of the other driver if you caused the mishap. If you don’t have enough insurance coverage, the other driver and their vehicle occupants could end up suing you to obtain sufficient compensation for medical treatment and other issues.  Experts recommend that your policy has significantly higher coverage amounts.

What Other Coverage Should I Consider?

In addition to increased liability, including uninsured/underinsured motorist coverage is a prime consideration. You may also want to get the following:

  • Personal injury protection (PIP) to cover medical costs regardless of fault
  • MedPay insurance, which works similarly to PIP
  • Collision to pay for damages when colliding with another vehicle or object
  • Comprehensive to pay for damages caused by theft, vandalism, natural disasters, etc.

Most insurance companies offer various types of coverage for differing amounts, so you are not required to get the highest amounts. Let the experts at Rancho Del Sur Insurance Services Inc., service San Diego CA, recommend the best coverage amount for your needs and budget.