Are you shopping for auto insurance in Los Angeles County? For the most comprehensive coverage and the best rates around, get in touch with Lionel Sandoval! As a full-service, locally owned and operated Santa Monica, CA car insurance provider, we’ve been helping the motorists of California protect themselves, their passengers, their vehicles, and other motorists for years. For reliable coverage at an affordable price, contact us today! No matter where the road takes you, you’ll have peace of mind knowing that Lionel Sandoval has you covered.
A Snapshot of Different Auto Insurance Policies in Santa Monica, CA
Whether you’re an experienced driver who is planning on getting a new vehicle or you’re a newly licensed driver and just got your first car, before you get behind the wheel and hit the road, making sure that you’re properly insured is an absolute must. In fact, in California, drivers are legally required to have certain types of auto insurance, and if you’re caught driving without it, you could be looking at some serious penalties; your vehicle could be impounded and your license and vehicle registration could be suspended, for example.
When you’re shopping for auto insurance, you may be surprised to find that there are a lot of different policies available, which can make things a bit overwhelming and confusing. To simplify the process and to ensure you get the coverage that’s right for you, before you contact a Santa Monica, CA car insurance company, it’s a good idea to familiarize yourself with the different types of policies.
The following is a breakdown of some of the different types of auto insurance, what they cover, and how they work.
Liability Auto Insurance
Of all the different types of car insurance, liability coverage is the most essential. In fact, in most US states, including California, motorists must carry liability coverage in order to legally drive. If you’re responsible for an accident, liability auto insurance will cover the related expenses. It features two key components:
Liability auto insurance can help to cover legal expenses, too. If a passenger in your vehicle or another driver sues you for damages after the accident, liability coverage can help to pay for attorney fees and court costs.
Collision auto insurance pays for any repairs that your vehicle may require after an accident, whether you or someone else is responsible for the accident. This type of coverage is optional in California; however, if the car is financed or leased, your lender may require collision insurance, as they’ll want to make sure that in the event that the vehicle they funded is damaged, you will have the means to repair it. In other words, collision insurance protects the value of the lender’s collateral.
If you don’t lease or have a loan on your vehicle but it maintains a high value, collision insurance may be a worthwhile investment. If you own the vehicle outright and it’s older and has very little value, collision auto insurance may not be beneficial, as the cost of the coverage may exceed the benefit if your car were to be totaled.
Comprehensive insurance covers the cost of repairs that your vehicle sustains as a result of things that you cannot control, such as:
Like collision coverage, comprehensive insurance is optional in California; however, also like collision, if your vehicle is financed or leased, your lender may require it.
Uninsured and Underinsured Motorist
If you’re hit by a driver who doesn’t have car insurance or doesn’t have enough coverage to pay for the physical injuries you sustain or the damages to your car, or if the at-fault driver leaves the scene of the accident before you can get their information, uninsured and underinsured motorist insurance will provide you with financial protection. Uninsured and underinsured motorist coverage is optional, and usually, they’re bundled together and added to Santa Monica, CA car insurance policies.
For a Free Auto Insurance Quote in Los Angeles County, Contact Lionel Sandoval Today!
If you’re shopping for auto insurance in Los Angeles County, for coverage you can rely on at prices you can afford, contact 323-285-2442. As a leading Santa Monica, CA car insurance company, you can count on our team to make sure you’re well protected. For more information or to request a free quote, call 323-285-2442 today!