{"id":416,"date":"2021-06-21T04:00:00","date_gmt":"2021-06-21T10:00:00","guid":{"rendered":"https:\/\/www.think-ins.com\/blog\/?p=416"},"modified":"2021-06-05T12:55:16","modified_gmt":"2021-06-05T18:55:16","slug":"is-state-required-auto-insurance-adequate","status":"publish","type":"post","link":"https:\/\/www.think-ins.com\/blog\/is-state-required-auto-insurance-adequate\/","title":{"rendered":"Is State-required Auto Insurance Adequate?"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Everyone wants to save. And when it comes to auto insurance, it isn&rsquo;t uncommon for motorists to buy the state-required minimum auto insurance. But is it adequate? Hang on as THINK Insurance &amp; Financial Services of Pomona, CA advises whether you need more than the state&rsquo;s minimum car insurance.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">State-required auto insurance in California<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Like many states, California requires drivers to carry auto insurance. Here are coverages that car owners are expected to maintain:<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Bodily injury liability:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Covers you when you are legally liable for an accident that causes physical harm to other people. The minimum required is $15,000 per person and twice the amount for accidents relating to more than one person.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Property damage liability:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Pays for damages that you cause to other people&rsquo;s property. The minimum amount required in California is $5,000.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Uninsured motorist coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Provides bodily injury and property damage coverage when you collide with a motorist with no insurance. In California, this insurance is optional, but it&rsquo;s highly recommended.<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">As you can see, the minimum coverage limits may not protect you when involved in a severe accident. To avoid sliding into a financial mess, talk to your insurance agent to increase your liability limit. Alternatively, you can consider umbrella insurance to offer you extra liability protection when faced with significant liability claims.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Are the minimum-required auto insurance coverages sufficient?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">While observing the state-required minimums is essential, most drivers consider other insurance coverages for optimal coverage. You see, the required auto insurance coverages cover other people but not you and your vehicle. That said, if you need well-rounded protection, consider the below optional coverages:<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Collision coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;To cover physical damage to your car when you collide with other motorists.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Comprehensive coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Protects your vehicle against non-collision-related perils like theft and vandalism.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Medical payments coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Pays for medical expenses for you and your passengers when involved in an accident.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Are you looking for auto insurance coverage in Pomona, CA? Please contact THINK Insurance &amp; Financial Services for a competitive quote.<\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Everyone wants to save. And when it comes to auto insurance, it isn&rsquo;t uncommon for motorists to buy the state-required minimum auto insurance. But is it adequate? Hang on as THINK Insurance &amp; Financial Services of Pomona, CA advises whether you need more than the state&rsquo;s minimum car insurance.&nbsp; State-required auto insurance in California Like [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[8,9],"class_list":["post-416","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-pomona-ca","tag-think-insurance-financial-services"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/posts\/416","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/comments?post=416"}],"version-history":[{"count":1,"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/posts\/416\/revisions"}],"predecessor-version":[{"id":417,"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/posts\/416\/revisions\/417"}],"wp:attachment":[{"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/media?parent=416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/categories?post=416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.think-ins.com\/blog\/wp-json\/wp\/v2\/tags?post=416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}