Auto insurance terms involves the responsibilities of having and using an automobile which includes taking certain financial responsibility which are provided under the Vehicle code laws.
The most usual and acceptable way of satisfying this responsibility of owning and using a vehicle in California is to purchase an auto insurance policy. That is, California auto insurance is the key to this financial resposibility.
If you want to purchase auto insurance, it is highly recommended that you acquiant yourself with auto insurance terms that is operative in California, so that you can know and identify which auto insurance coverage California auto insurance companies are offering you, and also to determine which California auto insurance policy is suitable for our needs, requirements and affordability under the law.
If and when you decide to take financial responsibility, thereby purchasing a liability auto insurance, the Motor Vehicle Department will enumerate the minimum limits you can purchase which is state in the Vehicle code under secion 16451. The minimum coverage that is required by law, and provided by California auto insurance companies for Bodily injury liability is $15,000 per injured person and up to $30,000 total for everyone involved in the accident. The minimum for property damage liability must meet a minimum of $5,000 per accident.
For those who seek further financial responsibility requirements information should contact the state or local Department of Motor Vehicle, or contact any licensed or registered California auto insurance companies, agents or broker.
The California Department of Insurance (CDI), in relationship with California Insurance Code (CIC) Section 12935, have formulated an information list offering general information and the explanation of commonly used
auto insurance terms. This information pack can also be taken with whenever you are visiting any auto insurance company, as is can be used as a point of reference when you want to purchase your personal
auto insurance policy.
It is also recommended that you should not buy
auto insurance over the phone, or from agents or promoters that you are sure of.
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