While car insurance is required by law in the state of California, many people are unaware of what the coverage is actually for and what limits they should consider above the state minimum.
Auto insurance covers you in the event of an accident. There are six different types of coverage within one typical auto policy. Not all are required but depending on your unique situation, it may be beneficial to you and to others to have a more comprehensive insurance policy.
In areas like San Rafael, Terra Linda, San Anselmo, Ross, and Kentfield, it is especially important to have higher liability limits since many of the other cars on the road can be expensive to repair or replace. When you have a minimal property damage limit such as the California state minimum of $5,000, the damage potentially caused to a third party vehicle can significantly surpass that amount. That means if you are found at fault for the accident, you only have $5,000 to cover damaged property (the other person's) and anything past that YOU are now responsible for covering. If you don't have enough money, your income can potentially be garnished until your debt is paid off.
So what does that mean for you? If you drive regularly in the Marin area, consider giving our office a call at (415) 453-6329 or stop by and have us review your car insurance policy for you. We can help guide you to customize your policy to fit your needs.