Types of Car insurance in California 

According to California DUI laws, car owners should have a way of covering costs that arise as a result of injuries, death or damages caused during car accidents. This calls for car insurance which helps car owners cater for such expenses thus meeting the law requirement. Moreover, purchasing car insurance in California reduces inconveniences that might befall drivers when an accident occurs.

The following are some of the car insurance covers you can purchase for your car:

Comprehensive cover 

The coverage ensures the policy holder against all risks that might happen to your vehicle. Pedestrians and the occupants of the car are also protected by the insurance policy. It does not consist of theft or traffic damages caused to the car while driving. This insurance policy is very important compared to third party insurance cover that protects the damages caused to other cars or pedestrians. Incase of an accident occurrence, the driver will not be worried so much because all the damages will be catered for by the insurance firm.

Third party insurance cover

This involves protecting the damages caused to the other cars or pedestrians. The car and its occupants are not covered by the insurance coverage. This policy ensures that your car protects the lives of pedestrians and other cars.

Liability insurance cover

This is an insurance cover that covers all the liabilities that could be caused on the car or third parties like pedestrians. The insurance company compensates all the parties involved incase of occurrence of a risk. This car insurance is mandatory to all the car owners in California as it provides necessary protection to your car.

Collision insurance cover

The insurance cover protects your car against any damages that might be caused by traffic collisions. This could be accidents that are caused by drivers of other vehicles during the traffic jam. The drivers will get compensation after the risk has occurred reducing time and cost that can be taken to repair the car.

Funeral and medical services policy

This insurance cover caters for expenses of injured or dead individuals. The car could get an accident and then kill pedestrians or its occupant’s o the road. But presence of this insurance policy provides compensation to the individuals involved. With such policy, inconveniences of where to get money for medical or funeral services are reduced.

Underinsured or uninsured cover

These insurance cover protects California drivers who do not have car insurance against damages caused by such drivers. Once they get involved in an accident, the other insurance policies can not be used to compensate the owner. Because of this insurance companies in California decided to come up a policy that covers uninsured or underinsured motorists.

Rental insurance cover

This insurance policy covers the risk that might arise when the car is hired by other individuals. The risk could be damages or theft that could be caused by such people.

Labor and towing cover

If a client has a financed car, lending companies requires such a client to purchase both collision and comprehensive insurance cover. These two insurance policies are vital in that any risk that can result to third party like pedestrians and the car itself will be compensated accordingly. 

Purchase car insurance in California and avoid being caught by the law. It is simple; visit any insurance firm in California for inquiries about the policy of your choice.