SR22 Auto Insurance Filings
Information for California
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More Information about Auto Insurance
California auto insurance protects you against
financial loss if you have an accident. It is a
contract between you and the insurance company.
You agree to pay the premium and the insurance company
agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and
medical coverage:
Property coverage pays for damage to or
theft of your car.
Liability coverage pays for your legal responsibility
to others for bodily injury or property damage.
Medical coverage pays for the cost of treating
injuries, rehabilitation and sometimes lost
wages and funeral expenses.
An auto insurance policy is comprised of six
different kinds of coverage. Most states require
you to buy some, but not all, of these coverage's.
If you're financing a car, your lender may also
have requirements.
Most auto policies are for six months to a year.
Your insurance company should notify you by mail
when it’s time to renew the policy and to
pay your premium.
You must have auto insurance to drive.
Almost every state requires you to have auto
liability insurance. All states also have financial
responsibility laws. This means that even in a state
that does not require liability insurance, you need
to have sufficient assets to pay claims if you cause
an accident. If you don’t have enough assets,
you must purchase at least the state minimum amount
of insurance. But insurance exists to protect your
assets. Trying to see how little you can get by
with can be very shortsighted and dangerous.
If you've financed your car, your lender may
require comprehensive and collision insurance as
part of the loan agreement.
What to expect in your auto policy:
Your auto policy may include six coverage's.
Each coverage is priced separately.
Bodily Injury Liability
This coverage applies to injuries you, the designated
driver or policyholder cause to someone else.
You and family members listed on the policy
are also covered when driving someone else’s
car with their permission.
It’s
very important to have enough liability insurance,
because if you are involved in a serious accident,
you may be sued for a large sum of money. Definitely
consider buying more than the state-required
minimum to protect assets such as your home
and savings.
Medical Payments or Personal Injury
Protection (PIP) This coverage pays
for the treatment of injuries to the driver
and passengers of the policyholder's car. At
its broadest, PIP can cover medical payments,
lost wages and the cost of replacing services
normally performed by someone injured in an
auto accident. It may also cover funeral costs.
Property Damage Liability
This coverage pays for damage you (or someone
driving the car with your permission) may cause
to someone else's property. Usually, this means
damage to someone else’s car, but it also
includes damage to lamp posts, telephone poles,
fences, buildings or other structures your car
hit.
Collision This
coverage pays for damage to your car resulting
from a collision with another car, object or
as a result of flipping over. It also covers
damage caused by potholes. Collision coverage
is generally sold with a deductible of $250
to $1,000—the higher your deductible,
the lower your premium. Even if you are at fault
for the accident, your collision coverage will
reimburse you for the costs of repairing your
car, minus the deductible. If you're not at
fault, your insurance company may try to recover
the amount they paid you from the other driver’s
insurance company. If they are successful, you'll
also be reimbursed for the deductible.
Comprehensive
This coverage reimburses you for loss due to
theft or damage caused by something other than
a collision with another car or object, such
as fire, falling objects, missiles, explosion,
earthquake, windstorm, hail, flood, vandalism,
riot, or contact with animals such as birds
or deer.
Comprehensive insurance is usually
sold with a $100 to $300 deductible, though
you may want to opt for a higher deductible
as a way of lowering your premium.
Comprehensive
insurance will also reimburse you if your windshield
is cracked or shattered. Some companies offer
glass coverage with or without a deductible.
States do not require that you purchase
collision or comprehensive coverage, but if
you have a car loan, your lender may insist
you carry it until your loan is paid off.
Uninsured and Underinsured Motorist
Coverage This coverage will reimburse
you, a member of your family, or a designated
driver if one of you is hit by an uninsured
or hit-and-run driver.
Underinsured motorist
coverage comes into play when an at-fault driver
has insufficient insurance to pay for your total
loss. This coverage will also protect you if
you are hit as a pedestrian.
