California liability insurance has two sides to it, one for bodily injury to others and the other for property damage to others. The fact that liability insurance is required in California makes it a "tort" law state. Effectively this insurance in the mandatory minimum required and covers all third party injuries or damage to property.
What liability insurance does is protect the individual driving a vehicle against being sued for any negligence on their part. In the case of bodily injury if a driver causes harm, they may be held liable and could be held responsible for costs as a result of the accident.
These costs can include medical treatment, loss of earnings, pain and suffering and loss of consortium. The insurance is generally 15/30 the first part of this is in thousands (i. E. 15000) for costs in bodily injury per person and the second part is in thousands (i.
E. 30000) for total bodily injury per accident.Property damage insurance is the portion of the cover which pays for the damage to the third party's property caused by a negligent driver. In most instances the damage is only to another vehicle, but the liability is not limited to this, it is able to cover a wall, fence, building or any other property damaged in an accident. More often than not the property liability cover number features after bodily injury, something like this 15/30 - 10, indicating that the cover for property damage is 10 000. The minimum requirement in for liability cover in California is 15/30 - 5
Other Californian liability insurance covers items such as uninsured motorist cover, comprehensive and collision cover, rental car cover, and road side assistance.
It is very important for motorists to understand that additional cover needs to be taken out for their own insurance as liability insurance only covers other people.It is also potentially dangerous to take out the minimum required by law as medical expenses are sky high and so are repair costs to vehicles. The policy holder does not want to be saddled with a whole load of expensive and unnecessary bills in the case of an accident
repair costs are through the roof. In the event that the protection limits are exceeded, the policyholder may be left responsible and can be sued personally for unpaid damages;
The fastest way to obtain quotes for your insurance needs is to go online. This prevents having to make the sale request over and over again to different insurance companies if you phone for quotes. Most online brokers provide a service, whereby only one form needs to be completed, and various insurance quotations (as many as ten) can be obtained all at the same time.
The two sides of california liability insurancecoverage, discussed in full detail, no stone unturned on http://car-insurance.onlineautoinsurance.com/california-car-insurance/liability/
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