In Monterey and in all other areas of California, licensed drivers who own a vehicle must maintain auto insurance. Car Insurance In Monterey can differ greatly by individual, as most policies are customized based on the driver’s specific needs and driving habits. There are two main kinds of insurance coverage for California drivers, liability coverage, and optional coverage. Here’s what drivers need to know about each of these types of insurance coverage.
Liability Insurance Coverage for California Drivers
California drivers must have liability coverage according to state law. This coverage includes a minimum of $15,000 per person/$30,000 per accident total in bodily injury insurance. Additionally, California drivers must have $5,000 in property damage coverage minimum. Uninsured/underinsured motorist coverage must be maintained at $15,000 per person/$30,000 per accident total.
The Optional Types of Insurance Coverage for California Drivers
There are also a couple of types of optional coverage for California drivers, including collision and comprehensive insurance. Collision insurance deals with the vehicle damages that result from a collision with another vehicle, with an animal, or even with a stationary object like a wall.
Comprehensive coverage deals with most other kinds of damage. This usually includes weather damage, for example, damage to the car’s exterior due to hail. Comprehensive coverage also covers theft of the vehicle and vandalism to the vehicle.
The exact amount of comprehensive and collision coverage needed can vary considerably based on the individual driver, the value of their vehicle, and the driver’s personal preferences. Most insurance agents recommend erring on the side of caution when it comes to purchasing insurance — meaning that too much coverage is always better than not enough.
What is the Right Blend of Coverage?
With a combination of legally required coverage and optional insurance coverage, most Monterey drivers can create a customized policy that meets all of their needs. This allows drivers to get out on the road without fear because they know that damages will be covered if a disaster strikes.
Need to find out more about Car Insurance in Monterey? Speak to the experienced auto insurance providers at Coast Auto Insurance today.