Californian’s Beware of These Common Auto Liability Blunders
For most people in California, buying auto liability insurance is like filling the gas tank. They do it once and then forget about it until there is an accident.
Unfortunately, many people don’t have as much protection as they believe.
There are a number of common mistakes drivers make when purchasing vehicle protection.
That’s why vehicle owners and drivers should consider carefully the right protection for their specific needs. An experienced insurance agent is your best resource.
Following are some pitfalls to avoid when purchasing vehicle liability insurance:
Purchase the Legal Limit: One of the most common mistakes made in California is purchasing the minimum amount of liability coverage required by the state. While it might seem like a great way to save money in the short term, it can lead to a significant shortfall and a terrible error. Remember, liability insurance protection in California provides payment in the event that you are at fault in an accident. Property damage, medical bills, and even pain or suffering may exceed the limits of liability, leaving you personally responsible for the remainder of the bill.
Failure to Name Other Drivers: In order to hold costs down, some drivers limit coverage to their personal use of the vehicle. If you ever loan your vehicle to friends or family, even for a short period of time, be sure to name other drivers on the policy.
Consider Your Personal Protection Needs: Don’t assume other drivers in California or anywhere in the world are as responsible in their decisions to purchase the right levels of auto liability insurance. Instead, make sure you have adequate coverage to protect your own interests in an accident, including medical coverage.