Optional And Required Westlake Village Insurance Coverages
Optional And Required Westlake Village Insurance Coverages
If you reside in Westlake Village, the state of California will require that you carry a minimum amount of insurance to own and operate a motor vehicle. While the limits of liability required in the state of California are very low, there are a number of residents who choose to ignore financial responsibility laws. Driving uninsured is not only irresponsible; it could land you with serious penalties. Punishments for disobeying financial responsibility laws in the state of California include license suspension, registration suspension, hefty fines, and up to 6 months of jail time for multiple offenders. If you are driving uninsured because you feel you cannot afford coverage, understand the required coverages and those that are optional and obtain auto insurance quotes.
Required Coverages for Westlake Village Insurance Laws
Drivers within Los Angeles County are required to carry both Bodily Injury Coverage and Property Damage Coverage. Each of these coverages are included under the liability section of an insurance policy. Bodily Injury Liability coverage pays for injuries to a third party in the event you are deemed at fault for an accident. The state law mandates drivers must carry at minimum $15,000 per person up to $30,000 per accident. Property Damage coverage will pay for damages caused to property or vehicles if you are at fault for an accident. The state mandates drivers to carry no less than $5000 in coverage per accident.
Insurance companies electronically notify the Department of Motor Vehicles a driver is continuously insured. If a policy is canceled or it lapses, the DMV will be notified and the vehicle registration will be suspended. Liability coverage is very inexpensive to carry. Because it is the only required coverage, in California drivers should protect themselves against fines and possible judgments by carrying liability insurance cover. It is important for drivers to review the liability limits available by insurers and the premiums for higher limits to have adequate protection.
Optional Coverages for Westlake Village Insurance
Optional coverages in the state of California are designed to protect the policyholder. Medical Payments coverage will pay for medical bills for the insured and passengers no matter who is at fault in the accident. Uninsured Motorist Coverage will pay for injuries to you and your passengers if the at fault driver has no insurance. One of the exposures listed on the policy damages physical Damage coverages, known as Comprehensive and Collision, are designed to pay to repair or replace your vehicle.
Understanding the difference between required coverages and optional coverages can make all the difference. While the state minimum coverages will not cover you against catastrophic losses, they will keep you legal on the roads of Los Angeles County. Discuss premiums and coverage options with a licensed insurance agent and invest in adequate auto insurance. Do you have enough Insurance Coverage? Cheap Motor Insurance Online - Learn How To Acquire It Errors And Omissions Insurance, Why You Need It Food Business Insurance Skiers without Insurance could face Big Bills Comparing Medigap Insurance Plans Cctv New Site Should Pay Attention To What The Fire Insurance Claim Issues - Cctv New Site Fire, The Emergence Of Insurance Companies In The Us Everton - Tottenham Hotspur Live Stream Online Epl Football Tv Coverage 05/01/2011 Insurance For Studying Abroad Basic Advantages And Disadvantages About Short Term Disability Insurance Omitting Error And Omissions Insurance Is A Business Error How Much Is Your Colorado Springs Insurance?