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What a Basic Auto Insurance Policy Covers

Every state in the US mandates that car owners have insurance if their vehicles are to be driven on public roads. For most people, it’s worth it to buy more types of auto coverage than is mandated, but for some, the minimum is enough.

What do get with the most basic coverage? The laws in each state are slightly different, but a basic auto insurance policy will typically cover liability for bodily injury and property damage. Coverage for your own medical expenses if you are injured in an accident is also common, though this part can be waived in some states if you already have a health insurance policy that covers such things.

The main thing to keep in mind is that the coverage on a basic car insurance policy covers your liability to other people. It doesn’t cover your own expenses for fixing your car, and unless you have the personal injury protection (PIP) component, it won’t cover your own injury expenses. Therefore, you may want to add more coverage types, such as collision and comprehensive, to beef up your policy.

For more information about auto insurance in California or to get a quote, please contact Save-On Insurance Services in Los Angeles.