#auto insurance california
A. Bodily Injury Liability – Mandatory Coverage
This coverage protects you against possible loss of your home, income and life savings (financial loss) should your vehicle injure or kill anyone and you are legally liable. It also pays for related legal defense, court and investigative costs. This coverage pays up to the first limit for any one person and up to the second limit for two or more persons injured or killed.
B. Property Damage Liability – Mandatory Coverage
This coverage protects you against financial loss when your vehicle damages another person’s property, such as their vehicle, if you are legally liable.
C. Automobile Medical Payments – Optional Coverage
This coverage pays, up to your selected limit, for each person injured in your vehicle, including yourself. It pays expenses for medical, dental, hospitalization and funeral expenses. It also protects you and your household relatives, should they, as pedestrians, be struck by an automobile. We cover medical expenses that are in excess over other valid insurance.
D. Comprehensive – Including Fire Theft – Optional Coverage
This coverage pays for loss or damage caused to your vehicle by other than a collision. This includes fire, theft, earthquake, explosion, glass breakage, riot, vandalism and wind storm protection. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible.
E. Collision – Optional Coverage
This coverage provides protection for loss or damage to your vehicle caused by upset or collision with another vehicle or object. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible.
This coverage pays up to $100 for each disablement of your vehicle when using our Roadside Assistance Sign and Drive Option. Maximum reimbursement using any other licensed service provider is $50 per disablement. Lockout Service is limited to $100. There is a limit of one (1) reimbursement per disablement, and a total of four (4) incidents per covered vehicle per policy period.
(Available on vehicles insured for Comprehensive or Collision Coverage)
This coverage provides protection against the hazard of bodily injury caused by someone who has no auto liability insurance or whose bodily injury limits are lower than your chosen limit for this coverage.
H. Uninsured Motorist – Property Damage – Optional Coverage
(Coverage will be provided on all vehicles not insured for Collision coverage unless a waiver is signed)