There’s a long stretch of road between Redding and San Diego,
California – which means many opportunities for unexpected auto
accidents to occur. The Bay Bridge between Oakland and San Francisco,
for example, is a hotbed of confusion and congestion that travelers are
trying to navigate and conquer.
Between the excitement of summer and trying to secure your
vacation plans, preparing for an auto disaster is probably the last
thing on your mind. But the summer heat and unexpected bumps in the
road can both wreak havoc on your auto and put you in jeopardy if
you’re not prepared. If something happens while you’re driving down that
long California interstate, are you covered? Let’s sift through your
car insurance policy to consider your options:
What coverages are included in an auto insurance package?
When you purchase auto insurance, you usually have several options
– you can purchase medical, liability, property and under/uninsured
motorist coverage.
Medical coverage in an auto insurance package will take care of
treating injuries to those in the policyholder’s automobile. Medical
coverage will be provided if the person is a passenger or hit as a
pedestrian.
Liability is your financial responsibility to someone for damage
you cause – whether the damage is to another person or to someone’s
property. When you purchase liability coverage, the insurance company
agrees to defend you in court and/or reimburse the other party for
damages you cause.
California state laws require motorists to purchase the following liability insurance amounts.
$15,000 - bodily injury liability for one person injured in an accident
$30,000 – bodily injury liability for all injuries in one accident
$5,000 – property damage liability for one accident
Covering property damage includes comprehensive and collision insurance.
Comprehensive coverage insures accidental damage to the auto
including fire, wind, sleet, theft, vandalism and similar damages.
Collision coverage reimburses for damage caused by colliding with another object, regardless of who or what is at fault.
What happens if the person that hits you is uninsured or does not
have proper coverage to take care of your entire loss? Purchasing
uninsured and/or underinsured motorist coverage will cover both of
those situations.
If you have not glanced through your auto insurance policy in
awhile, it’s time to consider reviewing it. The warm summer weather
means your air conditioning will be running longer and your engine will
be working harder. It’s important to take time right now and make sure
you will be covered if you find yourself stuck on that long stretch of
California road between Redding and San Diego.
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