California is one of the largest states in the nation, and home to over 23,600,000 licensed motorists. To reduce the number of uninsured drivers in the Golden State and ensure that motorists maintain financial responsibility while behind the wheel, car owners are required to buy a minimum amount of auto coverage and insurers are required to electronically report policyholder information to the CA Department of Motor Vehicles (DMV).
For motorists to be considered financially responsible in the Golden State, they need to purchase and maintain california auto insurance that includes property damage and bodily injury liability with minimum limits of 15/30/5. This liability coverage pays for damages that are the result of an at-fault automobile accident, although the minimum limits that are required by the state may not be enough for the average driver.
On congested urban roads and freeways, the possibility of being involved in an accident is often elevated. Maintaining a property damage liability limit of only $5,000 may not be enough to pay for at-fault damages involving multiple vehicles or extensive damage. If a policyholder strikes a new car or does extensive damage to another persons property as the result of an accident, any at-fault damages that exceed $5,000 would still have to be covered by the policyholder. For this reason, vehicle owners living in the Golden State, especially those who live in heavily populated areas, are encouraged to pursue auto protection that includes higher liability limits and additional coverage.
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