Auto Insurance Quote Forms
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Auto Insurance Information
Mark Trumm Insurance Agency, Inc.
California Broker-Agents (530)-534-4600
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and your insurance company agrees to pay your losses as defined in your policy.
Auto insurance policies provide property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Required Auto Insurance Coverage in California
(courtesy of wakefordlaw.com)
“California laws require you to carry liability insurance that meets the state’s minimum requirements. Currently, liability limits in California are:
- $15,000 coverage for bodily injury or death to one person;
- $30,000 coverage for bodily injury or death per accident; and
- $5,000 coverage for property damage.
You also have the option to add uninsured/underinsured motorist (UM/UIM) coverage to your policy. Uninsured motorist coverage could pay for your damages when an uninsured motorist hits you. Underinsured motorist coverage would apply in accidents where the at-fault party didn’t have high enough policy limits to cover all your damages.
Why do you need auto insurance?
It's really all about protecting yourself financially. If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it. If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
I'm an advocate for finding auto insurance that meets your specific needs. Here are a few things we'll discuss together:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
When you have a trusted agent, that agent will follow up with you through the claims process and make sure you are getting the service you paid for!