What is Liability Insurance?
Liability insurance pays for injuries and property damage to a third person by an accident in which you are at fault. It includes bodily injury liability and property damage liability. California only requires you to carry bodily injury liability limits at $15,000 per person injured, $30,000 per accident and $5,000 for the property damage.Back to TopWhat is Uninsured Motorist Insurance?
Uninsured Motorist Insurance pays for damages to your vehicles and/or injuries caused by an uninsured driver.Back to TopWhat is Collision Insurance?
Collision Insurance covers damage to your vehicle in case of an accident that involves collision with another vehicle, a fence, a house, etc.Back to TopWhat is Comprehensive Insurance?
Comprehensive Insurance also known as other than collision insurance, covers damage to your vehicle caused by vandalism, theft, natural disaster which are not related to collision.Back to TopWhat is Full coverage Insurance?
Full coverage usually refers to a policy that includes Comprehensive and Collision coverage. Back to TopWhat is Rideshare Insurance?
Rideshare insurance is a coverage added to your personal auto insurance policy that will cover you while driving for companies like Uber and Lyft. If you drive for Uber, Lyft or any other ridesharing service you need rideshare insurance. Personal auto insurance doesn’t cover you if you use your car to transport passengers for a fee.Back to TopFactors that can affect my insurance rate:
· Driving experience
· Driver license statusBack to TopHow many years does a ticket stay on my record?
3 years from the date of conviction.Back to TopHow many years does an accident stay on my record?
3 years from the date of occurrence.Back to TopHow many years does a DUI stays on my record?
10 years from the date of conviction.Back to TopWhat is an SR22?
SR22 is a financial responsibility filing required by DMV for high-risk drivers. An SR22 is commonly filed to reinstate driving privileges after an uninsured car accident or driving under the influence. SR22 is not an actual insurance policy it’s a filing added to a personal liability auto insurance policy.Back to Top What is considered a high risk driver?
A high risk driver is usually a driver that has one or more moving violations, accidents, dui’s, suspended license, no license, no driving experience.Back to Top