What is the basic kind of insurance required by California Law?

Question

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate #

what is comprehensive , and what is collision, ?

Answer 1

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Answer 2

Collision and comprehensive coverages...........

If you cause a car accident, the collision portion of your policy pays to repair your own vehicle. Your car is considered

"totalled" when the repair costs exceed a certain threshold of the car's value, such as 70 percent. At that point, the insurance company will tow away the car to the salvage yard and offer you the actual cash value of your car.

Comprehensive coverage pays for damages to your car that aren't due to car accidents: Theft, fire, vandalism, natural disasters and hitting a deer are included. Also, your glass coverage comes under the comprehensive portion of your policy. If your windshield cracks, comprehensive coverage saves the day. As with collision coverage, there is a deductible for any comprehensive coverage claim.

California basic requirements.........

CA has made it a requirement for every driver to possess liability insurance. Liability will pay for damages inflicted to the body and vehicle of the driver whose vehicle was struck by the insured. The minimum level of coverage is as follows: fifteen thousand dollars for medical expenses if there was only one occupant of the vehicle, thirty thousand dollars for the combined expenses of all occupants of the vehicle and five thousand dollars to pay for additional property damages, including vehicle repair.

While liability will pay for the damages to the other driver’s vehicle it leaves the driver responsible for the accident holding the bag for their own repairs. Collision and comprehensive insurance exists to pay for these costs. Aside from accidents with other vehicles this also allows the insured to have necessary repairs made at their insurance company’s expense (less the amount of their deductible) in the event that damages were caused by other factors, such as rolling off of an icy road or being struck by a deer.

Uninsured/underinsured motorist coverage will pay for repairs to the vehicle of the insured and any medical expenses incurred as a result of injury suffered by the insured in the event that they are involved in either a hit and run or an accident with a driver who does not carry insurance or whose level of coverage is insufficient to pay for all expenses.

Neither collision and comprehensive insurance or uninsured/underinsured motorist coverage are required for CaA drivers; however, they are strongly recommended, as well as carrying a liability policy greater than the minimum required. More information regarding California auto insurance can be obtained by contacting the California Department of Insurance in Los Angeles at 800-927-HELP (4357) or by visiting their website......

http://www.insurance.ca.gov