When talking about auto insurance you probably have heard the term “full coverage.” But what is, exactly, full coverage car insurance in California? In this post, we answer this and other important questions about auto insurance in the Golden State.
Minimum Auto Insurance in California
In order to understand full coverage car insurance, first you have to remember that each state sets minimum legal levels of insurance.
For example, in the case of California, all drivers must carry at least the following:
- $15,000 for bodily Injury/death to one person,
- Up to $30,000 for bodily injury/death to more than one person
- $5,000 Property Damage
It’s worth noting that the above coverages are liability only. This means that they help pay only the damage you cause to someone else or their property, not your own medical bills (or those of your passengers) or the damage to your car.
What Is Full Coverage Car Insurance in California?
When used referring to California, the term “full coverage car insurance” usually refers to any auto insurance policy that exceeds the minimum coverage levels required by California law.
However, the website of the California Department of Insurance (CDI) offers a more precise definition. According to the CDI, full-coverage auto insurance includes the following:
- $100,000/$300,000 Bodily injury
- $50,000 Property damage
- $5,000 Medical payments
- $30,000/$60,000 Uninsured/underinsured motorist – bodily injury
- $250 Comprehensive deductible
- $500 Collision deductible
- Waiver on collision deductible
Since these coverages are higher than those required by law, a full-coverage insurance policy tends to cost more than a basic one.
The type of insurance you choose will depend on many factors, with one of the most important being your budget.
We strongly encourage you to consider purchasing an auto insurance policy that offers more robust coverage limits than the minimum required by law. At the end of the day, better coverage means greater peace of mind and better protection for your and your family’s finances.
RF1 Insurance Services: Auto Insurance in Southern California
Looking for dependable and affordable auto insurance? At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.