Understanding Your Insurance Coverage

California requires that every vehicle be insured with Liability insurance. Any vehicles that are being financed or leased are obligated by the finance companies/ banks to have more coverage. These are usually stated in the contract when you purchase or lease a vehicle. It is up to the owner of the vehicle, once it is paid off, to decide whether they would like to have extra coverage on their car. These are things that you can discuss with your insurance agent over the phone or in person.

🤕Liability Coverage
There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them if they are at fault.

Bodily injury: anyone who is in the vehicle at the time of the accident that is injured
Personal property: any vehicles or property that you damage in an accident

💥Collision Coverage
If you hit something, like another vehicle, or a fixed object, like a guard rail, lamp post, or telephone poll, Collision Coverage helps pay for the damages to your car.