Car insurance provides crucial financial protection for drivers in California. If you’re a car owner or planning to buy a vehicle, you might have heard the term “full coverage car insurance.” If you finance or lease a vehicle, your lienholder typically requires full coverage auto insurance.
What Is Included With Full Coverage Car Insurance?
Full coverage car insurance may provide a wide range of protections for you and your vehicle. Full coverage goes beyond California’s minimum liability limits and offers additional coverage.
- Liability coverage may help cover third-party bodily injury and property damage in an accident up to the policy’s dollar limit. California requires drivers to maintain minimum amounts of auto liability insurance. Your agent may recommend purchasing more than the minimum necessary amount to provide appropriate financial protection.
- Collision coverage may help repair or replace your vehicle if it’s damaged in an accident with an object or another vehicle.
- Comprehensive coverage may help cover damage to your vehicle caused by noncollision incidents, such as theft, vandalism, fire or severe weather conditions like hailstorms.
- Uninsured/underinsured motorist coverage may help provide coverage for you and your vehicle if you’re involved in an accident with an uninsured driver or one with no insurance or inadequate coverage.
- Medical payments (MedPay) coverage may help pay for accident-related medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault, up to the policy’s dollar limit.
- Guaranteed asset protection (GAP) insurance may help pay off your financed or leased vehicle if it’s a total loss after a covered incident or accident.
Is Full Coverage Car Insurance Required in California?
California law doesn’t require drivers to carry full coverage auto insurance. Your policy must meet the state’s minimum auto liability insurance requirements. There are other ways to prove financial responsibility in California if you want to avoid purchasing auto insurance. Most drivers maintain a motor vehicle liability insurance policy that meets California’s minimum standards.
Your lienholder may require full coverage insurance, however. Your agent can help you get the auto insurance coverage you need to fulfill California’s requirements and satisfy your lender.
Contact Us
Contact Simple Lane Insurance Agency in El Cajon, California, to get an auto insurance policy tailored to meet your needs.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.