Almost every state in the union requires auto insurance for drivers. What they require is basic insurance. This is different from state to state, but what it has in common is that it is usually only liability coverage. At Manteca Insurance & Financial Services in Central Valley, CA, we have been giving our clients the benefit of our expertise since 1941. That is more than 80 years. We represent our clients, not the insurance companies, and our service reflects that.
The mandated amount of basic auto insurance in the state of California is 15/30/5. This is woefully basic in one of the most expensive states in the union. It allows $15,000 for the first person injured in an accident where you are the responsible driver and $30,000 for all injuries and $5,000 for property damage. These low limits could leave you in a very dangerous financial situation.
For those with a leased vehicle or an auto loan, additional coverage will be required. This includes collision and comprehensive.
Collision is coverage that covers your auto. It will help to repair or, if needed, replace it if you are the at-fault driver. If you are the only car in an accident, think wet or icy road and losing control it will pay for your auto repair or if you are the victim of a hit and run. This coverage has a deductible.
Comprehensive coverage is for things you can’t control. This includes weather, things like hail, floods, and strong winds. It covers theft, vandalism, or potholes in the road. Glass coverage is also included in this type of coverage and is one thing most people end up using eventually.
If you only have basic coverage, you could be without a car and owe money for damage you caused. Basic coverage is seldom enough.
Contact Manteca Insurance & Financial Services in Central Valley, CA for all your auto insurance needs.