This document discusses key terms related to California car insurance. It explains that California car insurance coverage is complex due to legal challenges. It defines terms like liability limits, uninsured/underinsured motorist coverage, medical payment coverage, collision coverage, comprehensive coverage, deductibles, and more. It emphasizes the importance of understanding your specific policy coverages so you can purchase the right insurance for your needs at an affordable price.

1. 01/12/2011 17:42
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California Car Insurance
California car insurance coverage is technical decrease your California car insurance premiums
resulting from the truth that it is a legally binding by selecting a higher deductible.
document and every facet of your automobile in-
surance coverage has been thoroughly challenged Uninsured/Underinsured Motorists Coverage (UM/
within the court system. By understanding automo- UIM) - This automotive insurance protection is com-
bile insurance terminology and ideas, you should monly misunderstood by shoppers and is a vital part
purchase California car insurance coverage with of your California car insurance policy. If one other
confidence and even save some cash along the way. driver causes an accident that you’re injured in,
and so they carry low legal responsibility limits or
R
oadside Assistance or Towing Coverage - Insu- worse, no insurance coverage in any respect, your
rance companies use totally different descrip- UM/UIM coverage will kick in to pay on your medical
tions for this protection, and advantages may bills. This is coverage for YOU, not the other driver.
differ between carriers. This coverage will provide
reimbursement in case your vehicle wants towed Medical Fee or Private Harm Safety Protection - This
or other roadside assistance such as a flat tire. coverage is considered «no-fault» coverage and pays
for medical bills of you or your passengers in your
Legal responsibility Limits - This is the part of the car. What most shoppers do not know, is that this
coverage that exhibits how a lot safety your have protection could apply if you are injured as a pe-
in the case of either a bodily injury or property destrian or whereas entering or exiting a vehicle.
http://www.californiacarinsuranceonline.net/2011/03/california-car-insurance.html
harm accident. In California, the state requires a
minimal of $15,000 for harm or dying to 1 particular Comprehensive or Other-than-Collision Coverage
person, $30,000 for injury or dying to more than one - This coverage protects your automobile for harm
individual, and $5,000 for harm to property. Your from anything other than collision with another
automobile insurance coverage coverage may state vehicle or object. The exception is a collision with
15/30/5 limits or in case you have larger limits, they a bird or animal, which falls underneath compre-
may learn 100/300/100 or 250/500/100 or many other hensive coverage. Examples of coated claims are
variations. If you do not carry legal responsibility hail, fire or flood.
insurance coverage, your drivers license could also
be suspended, your automobile registration could Collision Protection - This protection pays for harm
also be suspended, you might be ticketed, your car to your car when it hits, or is hit by, one other car
may be impounded and within the case of an acci- or object. If you’re involved in a car accident, your
dent, you may be personally liable to compensate collision coverage is the protection that will pay to
for any damages you caused. restore your vehicle.
Deductible - That is the quantity that you select to These are the most common phrases found in your
pay before the insurance firm will pay any quantity California Car Insurance coverage policy. Each
for complete or collision claims. Deductibles let you automobile insurance firm has their own added
features and benefits which are unique to their
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2. 01/12/2011 17:42
californiacarinsuranceonline.net
California Car Insurance
policy, so it is important to learn your coverage
and understand what coverages you truly have.
By understanding the fundamentals of how your
California car insurance coverage coverage works
and the coverages supplied, you should purchase
car insurance in California with confidence and
ensure you get the coverage you want at the value
you possibly can afford.
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