Auto insurance provides financial protection against injuries and damages resulting from owning and operating a vehicle. In California, it is mandatory to have auto liability insurance for any vehicle you own.

Liability Coverage

• Bodily Injury Liability: If you're found at fault in an accident, this coverage helps pay for the injuries sustained by the other party and their passengers.

• Property Damage Liability: This coverage takes care of the costs to repair the other party's vehicle or property.

• Uninsured and Underinsured Motorist Coverage: This coverage protects you financially if you're involved in an accident with a driver who has insufficient or no insurance. In California, approximately 15% of drivers are uninsured, making this protection vital.

Physical Damage Coverage

• Comprehensive Coverage: This covers a wide range of incidents, including theft, vandalism, falling objects, and glass damage. You pay your deductible, and your insurance will cover the remaining costs.

• Collision Coverage: If you collide with another vehicle or object, this coverage pays for repairs after you pay your deductible.

• Collision Deductible Waiver (CDW) or Uninsured Motorist Property Damage (UMPD): CDW can cover your deductible if an uninsured driver hits you. If you don’t have collision coverage, UMPD provides up to $3,500 in coverage for damages caused by an uninsured driver, but only if the driver is identified.

Medical Payments Coverage

• This optional coverage helps pay for medical expenses incurred by you and your passengers after an accident, regardless of who is at fault.

Rental Car Reimbursement

• If your vehicle is being repaired due to a covered loss, this optional coverage pays for your rental car fees. To add this coverage, you must have both comprehensive and collision insurance.

Roadside Assistance and Rowing

• This optional service covers tire changes, battery jump-starts, and towing, up to a specified dollar or mileage limit.

Loan/Lease Gap Coverage

• Gap coverage pays the difference between what you owe on your car and its actual cash value at the time of an accident, particularly in cases of total loss. This is often included in lease agreements but can also be added to your policy.