You’ve probably heard of full auto coverage, but you may not know exactly what’s included. The staff at American Tri-Star, a leading provider of cheap Chula Vista car insurance, explains the types of incidents you’re insured against with a full auto coverage policy.
Liability coverage is the most basic type of Chula Vista auto insurance, and it’s required by California law. Liability coverage protects you if you are at fault for an accident that results in damage to someone else’s property. This form of coverage usually has 3 limits: a maximum coverage for bodily injury per person ($15,000 minimum), maximum coverage for bodily injury per accident ($30,000 minimum), and maximum coverage for property damage ($5,000 minimum).
Comprehensive coverage protects you against covered perils that aren’t related to a collision. For example, these perils may include storm damage, natural disasters, vandalism, theft, falling objects like branches, broken windows, and animal-related damage. In most cases, lenders require comprehensive coverage if you have a car loan or lease. With comprehensive coverage, there will be a deductible you need to pay if you make a claim.
Collision coverage is an important form of coverage that protects you if your vehicle is involved in a collision or strikes an object. Unlike liability coverage, which pays for damages to another person’s property, collision coverage pays for damage to your vehicle. Like comprehensive coverage, there will be a deductible if you need to make a collision-related claim. If you have a car loan or lease, you will likely be required to carry collision coverage.
What Full Coverage Doesn’t Include
Though “full coverage” simply refers to several coverage options, there are other forms of insurance you may want to consider, many of which are not usually included in full auto coverage. These options include uninsured/underinsured motorist coverage, emergency roadside assistance, medical payments, and gap coverage.
Automobile owners aren’t the only ones who need full coverage. Motorcycle riders may need a comparable policy for their bikes. If you’d like a quote on cheap Chula Vista motorcycle insurance, get in touch with American Tri-Star today. Call 619-827-0522, and one of our friendly and knowledgeable agents would be happy to assist you.