Insuredz Insurance Services
CA License#: 4524542
Phone: 949 365 6377
Email: sam.h@insuredz.com
California law requires drivers to have liability insurance.
Minimum Requirements:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $15,000 property damage liability
Key Coverage Types:
- Liability: Covers damages to others in an accident.
- Collision: Pays for damage to your vehicle.
- Comprehensive: Covers non-accident damage (theft, vandalism, etc.)
- Uninsured/Underinsured Motorist: Protects you if the other driver is uninsured or underinsured.
Other Things to Know:
- SR-22: Required for high-risk drivers (DUI, etc.)
- Non-Owner Policy: Liability coverage for drivers without a vehicle.
- Discounts: Available for good driving, multiple policies, and more.
If you're financing your vehicle in California, your lender will likely require you to have:
- Comprehensive coverage: Protects against theft, vandalism, and non-accident damage.
- Collision coverage: Pays for damage to your vehicle in an accident.
- Liability insurance: Meets California's minimum requirements ($30,000/$60,000/$15,000)
Additional tips:
- Notify your insurer: Inform them about the new vehicle to ensure coverage.
- Gap insurance: Consider adding it to cover the difference between the loan balance and the vehicle's actual cash value.
- Review your policy: Make sure the coverage levels meet your lender's requirements and your needs.
What happens if you don't have insurance?
Your lender might:
- Purchase insurance on your behalf (often more expensive).
- Repossess the vehicle.
Get Covered:
Contact us to get a quote and ensure you're meeting California's requirements and your lender's demands.