Personal Auto Insurance protects car owners from financial loss and liability. California, like most states, requires auto insurance.
Personal auto insurance covers many different things. If your car is damaged in a collision, auto insurance pays for the necessary repairs. Insurance can also cover theft and damage caused by other factors such as vandalism, animals, storms, and floods. If you or anyone in your car is injured, insurance will pay for your treatments. Some policies also cover time off work. Liability insurance pays for damage that you (or someone else driving your car) may cause.
In California, rates do not include your credit score, and may not have the features that are available in other states. For example, a “vanishing deductible” is available in other states, but not California, for any carrier. The ads you see on tv about this are for people in other areas, unfortunately.
Auto insurance can be a life-saver. Talk to a professional about what kind of policy is right for you.
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