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Types of Car Insurance in Murrieta CA

Posted By: Leah Austin

It is claimed that driving is not a right, but a privilege. However, for many people, driving is a necessary part of life. It takes a lot of responsibility and care to avoid dangerous and deadly accidents on the roadways. Unfortunately, not everyone is as careful when they drive. This can lead to serious accidents with major costs from property damage and medical bills. Car Insurance in Murrieta CA can help cover many of these costs to protect drivers from such incidents.

State minimum coverage

Most states require that all drivers carry at least some form of insurance to cover costs of an accident. California requires that all drivers carry at least liability insurance that covers up to $5,000 in property damage. They also require $15,000 per injured person up to $30,000 per incident to cover injuries or death from an accident. This covers the costs of an accident when the driver is at fault. For accidents that are not the fault of the insured, they are also required to carry a certain level of uninsured motorist coverage.

Uninsured coverage

The state of California requires each driver carries uninsured motorist coverage that will cover the costs of any injuries that occur in the accident when the at fault driver has no insurance. This requirement is at least $15,000 per injury and $30,000 per accident. This ensures that the driver and their passengers are covered in cases where the at fault driver does not have coverage. One could also add additional coverage for uninsured motorists to cover property damages.

Optional coverage

The state required insurances can protect a driver from major costs when they are at fault for an accident. However, this only covers the costs of the other driver’s vehicle. There are optional coverage that can protect the vehicle and cover damages even when the driver is at fault. There are also options to cover damages to a vehicle outside of an accident on the road. This includes storm and tree damage, as well as theft and vandalism.

A vehicle is a valuable possession that is often a necessary part of many people’s lives. Car Insurance in Murrieta CA can protect that vehicle, as well as provide coverage for costs of medical care. Companies, such as Barranca Insurance Services Inc., can provide options for coverage, as well as provide a free quote.

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