Auto insurance is necessary for car owners. Car accidents are common and can occur at any time, which is why it is essential to carry auto insurance. Proper coverage can limit a policyholder’s chance of paying incident-related costs out of pocket following a covered accident.

What Does Auto Insurance Cover?

 

Auto insurance generally differs among policyholders, but a standard policy might include the following coverages:

·        Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.

o   Bodily injury liability coverage helps cover their medical bills (and, in some cases, deaths).

o   Property damage liability coverage helps pay for damage to the other driver’s property, such as their car.

·        Collision insurance helps cover damages to your vehicle after a wreck or collision with an object (e.g., fence, signpost).

·        Comprehensive insurance helps pay for damages caused by non-collision mishaps, such as weather damage.

·        Uninsured/underinsured motorist insurance helps insure you against damage caused by someone else who doesn’t have appropriate liability coverage.

·        Medical payments coverage (Medpay) helps cover medical bills for you and your passengers after an accident, regardless of fault.

The Hart Insurance Center, Inc. agents can help you learn more about potential coverage options.

What Auto Insurance Is Required by Law?

 

California law states that all drivers must have evidence of financial responsibility (e.g., insurance) to be able to pay for an accident’s costs relating to damage or injuries. A way to meet this mandate is to carry  liability coverage that meets the state’s required minimums. To limit your chances of covering high out-of-pocket expenses after an accident occurs, however, you may consider carrying insurance with coverage greater than the bare minimum amounts.

How Much Auto Insurance Do I Need?

 

Auto insurance needs vary among car owners. Your reliance on your car for daily commutes, trips and other activities may factor into your insurance needs. The experienced agents at Hart Insurance Center, Inc., can help you learn about the right policy for yourself and your car.

What Auto Insurance Do I Need for My Electric Vehicle? 

 

Electric vehicles (EVs) need the same auto insurance as conventional vehicles (e.g., liability insurance, collision insurance, comprehensive insurance). The biggest difference in insuring an EV is the price. EVs are generally more expensive and more complex than conventional cars, making repairs and replacements more expensive. For this reason, insurance premiums for EVs may be higher than premiums for conventional cars. However, you may still be able to find affordable EV insurance rates by keeping a clean driving record and comparing insurance quotes from multiple insurers.  

Getting Auto Insurance 

 

In just a few clicks you could have a free car insurance quote. Contact Hart Insurance Center to learn more about our auto insurance coverages and to speak to an insurance agent.