Web City Travel

As with most states, {California state auto insurance} law requires all drivers to carry 3 fundamental liability components.

Bodily Injury Liability (i.e. BIL) of $ 15,000 per person

Total Bodily Injury Liability (Total BIL) of $ 30,000 per accident

Property Damage Liability (PDL) of $ 15,000 per accident

The insurance industry refers to this as 15/30/15.

To limit your coverage to these minimums, would be looking for trouble. Multi-car accidents and ambulance chasing lawyers commonly drive the cost of an auto accident to several hundred thousand dollars. If you are at fault and you have gone with the minimums, you personally, must cover the shortfall. So, you must sell your house, empty your bank account and probably alot more…how does that sound?

Based on experience, I recommend a bare minimum of 100/300/100 and more if you’re on the road often…particularly in the numerous elite communities of Southern California. A few extra dollars spent here is money well spent.

Thus far, we have discussed only liability insurance which doesn’t cover your injuries and damages to your car. The rest of what we will talk about is not required by California statute.

First, let’s think about you. Personal Injury Protection (PIP) pays for injury to you and your passengers no matter who was at fault. I recommend PIP coverage of no less than $ 100,000.

Next, your vehicle. To most of us, full coverage means having both collision and comprehensive.

There are two purposes of collision insurance; to cover the cost of damages to your vehicle or, if your car is a total write-off, to provide a cash settlement. You must pay for a predetermined deductible, & the insurer pays for the rest.

Comprehensive covers your car for theft and vandalism and damages caused by fire, animal impact and acts of God.

Another essential coverage is protection from uninsured drivers. The accident is not your fault, but the guilty party can’t pay. Your uninsured driver coverage kicks in here.

{Auto insurance Southern California} proposes “Pay-Per-Mile”.

The California Insurance Commission has proposed that insurance companies be allowed to charge policy holders on the basis of actual miles driven. Similar to purchasing prepaid cellular phone minutes…consumers would pay in advance for a number of miles to be driven during a specified time period. A monitoring device installed in the car will allow insurance companies to observe a driver’s car usage and charge accordingly.

Consumer advocates are in favor of the proposal because charging for miles driven (as opposed to an insurance company’s projection) should mean savings to low mileage motorists.

And more importantly to some, the program will provide an incentive for motorists to stay away from the road. Environmentalists predict this type of {auto insurance La Mesa} will encourage motorists to drive less…meaning lower fuel consumption, reduced pollution and less congestion on the road.

The plan looks like an all around winner to me.