Liability Coverage: Why Do I Need It?

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In California, the minimum amount of auto liability insurance we must carry is currently: Bodily Injury $15,000 per person / $30,000 per accident and Property Damage $5000. This is often referred to as 15/30/5.  If you are the at-fault driver in a car accident, your auto liability coverage will pay the other party for their injuries and their property damage.

Can you imagine a car accident scenario where the at-fault driver has caused damage to a vehicle over the $5,000 limit, or caused injuries beyond the policy limits? What happens then? Who is responsible for the remaining hospital bills and property damage after the insurance has paid the policy limits?  The answer, is that the at-fault driver is responsible for paying anything that is beyond the policy limits of their policy.  

It’s always a good idea to purchase as much auto liability insurance as you can afford. It’s often not as expensive as you think to increase your auto liability coverage above the state minimum limit.  It’s an inexpensive way to protect your current and future financial security.

Rancho Cal Insurance Services is here to help our neighbors in Murrieta, Temecula, Winchester, Hemet, and Menifee understand the different types of auto insurance coverage available to you. We will happily quote various auto liability limits for you, so that you can see and understand the difference in liability coverage. We’ve been helping our community for several years find great coverage at the best price, and we can help you too.