What Kind of Insurance Do I Need For My Automobile?

San Diego car insurance can come in many forms. If you purchase coverage online you may not always know if you are getting the right coverage for your needs. Saving money on San Diego auto insurance is a relatively  , or by going to McCormick Insurance Solutions in San Diego.

If you own a vehicle in San Diego you need to consider each of these kinds of coverage:

Liability Insurance – Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In California, liability insurance is mandatory.

Liability limits generally appear as three numbers (for example, 100/300/100). The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maximum that would be paid out for bodily injury per claim and the third number represents the maximum amount your insurance company is obligated to pay for property damage you cause.

Collision Insurance – Collision insurance covers damage to your car when your car hits, or is hit by, another vehicle, or other object. It pays to fix your vehicle minus the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket.

Comprehensive Insurance – Comprehensive insurance covers damage to your San Diego vehicle caused by events other than a car collision (for example, fire, theft, vandalism, or flood). It also covers damage caused by your vehicle colliding with an animal. If your car is stolen, it can cover the cost of a rental (if you select coverage) subject to a daily limit.

Medical Coverage -You may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these each work differently, they provide coverage for medical care provided to you as a result of a car accident.

Uninsured Motorist Bodily Injury and Property Damage- If you’re involved in an accident caused by someone who doesn’t have insurance, or not enough insurance, coverage pays for you and other passengers in your vehicle up to your policy limits.

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