Auto Insurance in Santa Maria, CA
In California, it pays to have the right auto insurance. Even a single accident could cause thousands of dollars’ worth of damages and medical costs. If you’re deemed responsible for an accident, even partially, the resulting expenses could be insurmountable.
What Does Auto Insurance Cover?
There are many different coverages available when it comes to car insurance. What you need may depend on the value of your vehicle and your personal circumstances. Two key forms of coverage are liability insurance and physical damage insurance.
Auto liability insurance typically includes coverage for bodily injuries and property damage you cause to others with your car. Minimum levels of bodily injury and property damage liability coverages are required in California; however, it’s often wise to increase your limits to avoid potential costs after a severe accident.
Physical damage insurance typically includes collision and comprehensive coverages. Collision coverage may help pay for damage to your car after an accident; comprehensive coverage may pay for non-collision damage, such as theft and vandalism.
Other forms of car insurance that may be available include the following:
- Medical payments coverage may help cover your medical costs after an accident, regardless of fault. It can cover your passengers as well.
- Uninsured motorist coverage may help cover losses you sustain from an insufficiently insured driver, including from hit and runs.
- Guaranteed asset protection insurance may help cover the gap between what you owe on a car loan and what the vehicle is worth if it’s totaled.
How Do I Decide on a Policy?
Again, the coverage you select may depend on your personal circumstances. While all California drivers need auto liability insurance, you can generally choose other options to include; however, if you have a car loan, your lender may require specific forms of insurance.
Luckily, Nijjar Insurance Services is here to help you make an informed car insurance decision. Our experts can determine the right coverage for your unique needs. Get a free instant quote today.