Buying Car Insurance Los Angeles California CA
Reader’s Question:
I’m new here in Los Angeles, California and just got my first car. What should I look into for my first car insurance?
Julian
Los Angeles, CA
Congratulations for buying your first car. You must be very excited to take it around already. It will be to your advantage to have the necessary information about car insurance so you can get the best car insurance for your need. Before you go out and buy any car insurance you must first be knowledgeable about the minimum liability insurance coverage required by the financial responsibility laws in your state.
Liability insurance, by the way, is a type of coverage that pays anyone you may have injured in a car accident for any medical, hospitalization, economic loss as well as any legal fees or any other monetary obligations you may be required to pay in damages. In Los Angeles, California the minimum liability coverages would be 15/30/5. Up to $15,000 to be paid to each injured person per accident up to a maximum of $30,000 for all injured person per accident and then $5,000 for property damages per accident. It is recommended that you get a policy that would provide higher coverages since you can be sued for amounts far exceeding the state minimums.
Next, you would want to get Personal Injury Protection that pays for your medical expenses and treatment of your injuries, regardless who is at-fault in an accident. Collision insurance will pay for damages that your vehicle may have incurred. Comprehensive insurance is actually optional since it only covers loss due to non-car crash related damages.
Tags: auto insurance, auto insurance premium, auto insurance quotes, car insurance
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