Does Auto Insurance Cover the Person or the Car?

Understanding Car Insurance Policy in San Diego, CA

Sufficient San Diego auto insurance coverage is all about what drivers need and how their policies are structured. Many drivers are unsure if the policies they carry cover them or their vehicles, but insurance companies offer options to protect both. Take these types of coverage into consideration.

Comprehensive and Collision Coverage

Auto insurers can mix and match varying types of packages and choices. Comprehensive coverage directly covers the vehicle, which not only includes accidents, but other incidents such as theft, vandalism, and natural disasters. Under the permissive driver clause, a policy can cover your vehicle if someone else is driving it. Collision coverage is activated if an accident occurs and there’s no question which party is at fault.

Liability Coverage

One form of insurance that covers drivers is liability insurance. This type of coverage pays for injury to persons or property in incidences where the insured driver is at fault.

Liability insurance typically comes in three types:

  • Bodily injury per person, which covers a single person in case of an accident you cause
  • Bodily injury per accident, which covers the total damage associated with an accident you cause
  • Property damage, which covers damage you cause to another person’s property

What Constitutes Sufficient Coverage for Both the Driver and the Vehicle?

In California, there are minimum requirements for liability coverage, which amounts to $15,000 for single person, $30,000 for total accident, and $5,000 for property damage. Other sensible options drivers should consider are medical and funeral services coverage, as well as uninsured and underinsured motorist coverage because accidents with uncovered parties can be detrimental to both drivers. Vehicles you use for business purposes require commercial auto insurance in San Diego, which typically costs more than coverage for personal vehicles. From this point, you need to look at what your needs and preferences are. For instance, drivers with older cars may not be as worried about theft as those with newer models, and other drivers might appreciate having rental car or towing and labor coverage.

If you have additional questions about the auto insurance coverage you need, contact American Tri-Star at 619-272-2100. One of our knowledgeable agents would be happy to assist you and provide you with free San Diego car insurance quotes. We hope to hear from you soon.