Auto Insurance in Soledad, CA
Auto insurance can help protect you from potentially high accident costs, including vehicle repairs, medical bills and legal fees, depending on your chosen coverage. In California, auto insurance is a legal requirement, helping to ensure that all drivers are financially responsible for any damage or injuries they may cause.
Contact Leon Insurance and Tax Services in Soledad, CA, for an auto insurance quote.
How Does Auto Insurance Work?
Auto insurance provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It covers the cost of repairs, medical expenses for injured parties and legal fees in case of a lawsuit. Policyholders pay a premium to the insurance company, which in turn agrees to cover losses as defined in the policy.
How Much Auto Insurance Do I Need?
California has minimum auto insurance requirements for injury/death to one person, injury/death to more than one person and property damage. However, more than these minimums may be required to cover all expenses after a major accident.
Your agent may recommend higher liability coverage limits and additional coverages like collision, comprehensive and uninsured motorist protection for broader protection.
What Do Auto Insurance Policies Cover?
Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:
- Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
- Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including California, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
- Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
- Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
- Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
- Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
- Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.
There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.
How to Get Auto Insurance
Leon Insurance and Tax Services is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.