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Southern California Auto Insurance: Minimum Requirements Are Insufficient!

By January 6, 2012June 8th, 2020Insurance

Car insurance varies from state to state. This is why it is essential to research the local laws as soon as possible when relocating to a new area. Have you recently moved in the Golden State? Here is an introduction to Southern California auto insurance that you might find beneficial.

The typical policy follows a 15-30-15 dynamic. This means that to keep driving in this state, you must maintain bodily injury and property damage liability of at least $15,000 each. The supposed biggest payout or biggest amount of coverage comes from total bodily injury reliability, where the per-accident potential for reimbursement is $30,000.

To many, these sound like more than fair reimbursements at first glance. It may even seem like a comfort that California law requires every driver to have insurance that will cover these standards for payouts. However, one must really think about the cost of an accident. A severely broken bone could lead to surgery and physical therapy, or worse, a permanent crippling injury. The medical bills could easily spiral past the standard payout point. Likewise, property damage liability of only $15,000 seems measly when you consider many cars on the market costs upwards of $40,000.

When considering all the potential expenses related to a car wreck, it is clear that relying on others to have the Southern California auto insurance minimum is no longer enough. To ensure you are not in a financial bind after a collision, contact our agency not to obtain additional coverage!


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