California Has Auto Liability Insurance Requirements

Burbank, CA and San Fernando Valley residents who want to register and operate their vehicles in California must carry the proper auto insurance. The minimum liability coverage you must have is:

• $15,000 for injury or death to one person
• $30,000 for injury or death to more than one person
• $5,000 for property damage

You are required to show proof of insurance, on paper or on a mobile device, if you are stopped by law enforcement or involved in an accident. Failure to have the insurance required by law can result in citations, loss of driving privileges, or even imprisonment.

Liability insurance protects both you and other drivers on the road in the event of a motor vehicle crash. If you are at fault, your insurance pays for expenses like medical care or damage to the other party’s car or truck. Otherwise, you’d have to pay out of your own pocket for these costs, and most folks don’t have the financial resources to do this.

Should You Increase Your Liability Coverage?

The liability insurance required by the state is the bare minimum you must carry. However, we often recommend that our clients increase their liability protection, especially if they have a new driver in the household.

These days, vehicle prices are quite high. The property damage component of your liability insurance may not cover replacing a luxury vehicle. Medical care is also expensive. You want to make sure you can cover emergency care, as well as any long-term care that’s necessary following an accident.

Full Coverage Gives You the Greatest Protection

For even greater protection, we suggest getting full coverage for your auto. This includes liability, plus collision and comprehensive insurance.

Collision coverage reimburses the cost of repairs to your own vehicle when you are the one at fault in an accident. Comprehensive insurance covers your car in cases of theft, vandalism, or loss to fire and most natural disasters. Full coverage is usually required if you finance your vehicle.

Our Independent Agents Can Tailor an Auto Policy for You

Everyone’s needs are different when it comes to auto insurance. That’s why working with an independent agent is preferable. We have more insurance options at our fingertips than you get with big insurance companies, which allows us to create the perfect policy for your peace of mind and your budget.

Call Escueta Insurance Services at 818-840-8010 to learn more about your choices for auto coverage. Or simply start a quote online or message us with your questions. We want to make sure you’re driving legally and with the protection you need when you hit the road in California.

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