What type of insurance do you need if you own an automobile?

The law says that you must have auto liability insurance. However, if you have a low income, it can be hard to pay the premium. California has a program to help you. This program helps income-eligible good drivers get insurance. The premium for liability coverage vary by the county you live in.

What is minimum full coverage auto insurance?

California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist property damage coverage¹: $3,500 minimum.

What is it called when you are insured to drive any car?

‘Driving other cars’ is a clause in your policy that allows you to drive someone else’s car without being a named driver on their policy. It’s important to understand that if such a clause isn’t included, you aren’t covered to drive other cars – even if your insurance policy is fully comprehensive.

What is non standard auto?

Non-standard auto insurance refers to the tier of car insurance reserved for risky drivers. In most cases, it is the same as standard coverage, except that the premiums are higher. Some independent companies specialize in non-standard or high-risk auto insurance only.

What are the 3 types of auto insurance?

The three types of car insurance that are universally offered are liability, comprehensive, and collision insurance. Drivers can still purchase other types of auto insurance coverage, like personal injury protection and uninsured/underinsured motorist, but they are not available in every state.

What is considered full coverage?

Full coverage insurance typically combines collision and comprehensive insurance, which pay out if your vehicle is damaged, plus liability coverage, which pays for injuries and damage you cause to others.

Does fully comp cover me to drive someone else’s car?

Can I drive my partner’s car? Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy.

What the difference in a standard and non standard auto insurance?

Standard car insurance is available for lower-risk drivers. When comparing standard vs. nonstandard insurance, standard coverage is usually cheaper. Nonstandard insurance covers high-risk drivers who are unable to find standard coverage.

What is standard auto insurance?

Standard auto insurance is the basic or lowest level of coverage available from an insurance provider. This insurance covers the expenses of only the other driver or property owner who received damage due to the error of the insured driver. Auto liability insurance will not cover the policyholder driver.