Cheap Car Liability Insurance California
Car Liability insurance is also known as auto liability insurance. This insurance coverage is bought by a person in order to provide for any damages or any physical injury caused to any other person or to his property. For instance, if the policyholder’s car is involved in any accident resulting in the injury to a person and damage to his car, the insurance company will pay for the affected person’s medical bills and also pay for his repair costs. In case the latter initiates legal proceedings against the policyholder, then the insurance company will pay for the legal expenses incurred by him at the courts. Car liability insurance is the basic insurance cover required to drive a vehicle.
The liability requirements for the car differ from state to state. For example, in the state of California, the minimum liability requirements for a private passenger car are $15,000 for injury/death for one person, $30,000 for injury/death to more than one person and an additional $5,000 for damage to the other person’s property. Persons who have a clean driving record are the ones who receive the best possible insurance rates. For example, a 58 year old driver who has never received driving tickets in the past would get better insurance rates compared to a teenager who is new to driving and has only recently obtained a license. On the other hand, students with a strong academic record are in a position to get cheap insurance rates. Also, people who have enrolled in a defensive driving course would be entitled to obtain better insurance rates. Hence, insurance companies would be competing to offer the best insurance rates to such persons.
There are broadly two kinds of car liability insurance offered to policyholders. One is the bodily liability insurance coverage, where there is a physical injury caused by the policyholder’s car to any person. In such a case, if the injured moves the courts and start legal proceedings against the policy holder, the bodily insurance coverage in the hands of the policyholder serves as legal defenses to him. Bodily liability insurance coverage helps cover expenses such as medical emergencies, compensation for loss of income and funeral expenses.
The other kind of car liability insurance available to policyholders at real money casino is property damage liability coverage. This kind of insurance coverage pays for the damage caused to a person’s car in an accident by paying for the repairs or the replacement cost of things by the policyholder’s car. If the person whose property is damaged initiates legal proceedings against the policyholder, then the property damage liability coverage serves as legal defenses to the policyholder. Property damage liability coverage helps the insured pay for such things as damage to the walls of homes, other stationery objects and vehicle repair and replacement costs.
It is always a good idea for any person looking for buying cheap car liability insurance to find the rates that are offered by the respective insurance department of the respective states. The latest auto insurance quotes can be obtained in the web sites of the respective insurance department of the state. These sites compassnewspaper.org display the minimum amount of liability coverage that is required for buying cheap car insurance. A person looking for cheap insurance rates on the web can find accurate quotes and estimates there. A person can call insurance companies or fill application forms online.
