All California drivers are required to have a certain amount of auto insurance in order to legally drive. This includes minimum car insurance Orange County liability insurance. Additional coverage is considered optional and is not legally required. While you may be following the law, only purchasing liability insurance does not fully protect you. It’s important to assess your personal car insurance needs in order to purchase the correct coverage policy.
If you are involved in a car accident and you or your passengers are seriously injured, medical payments insurance can be used to cover the medical costs. This insurance coverage is considered no-fault which means that even if you are at fault for the accident, payments can be made. If you have minimum health insurance coverage, you may want to consider purchasing medical payments insurance to help protect you and your passengers.
Uninsured motorist coverage for bodily injury is a type of coverage that helps to pay for medical costs associated with injuries from an uninsured motorist. Many drivers fail to purchase adequate car insurance coverage. If you want to protect yourself from injuries, this type of insurance is good to have. You can also purchase an additional rider for property damage coverage. If an uninsured driver hits you and causes damage to your car, this coverage can be used to pay for your repairs or car replacement.
Another option to consider is accidental death insurance. This can help to protect you and your loved ones from a serious car accident. Take the time to research all car insurance Orange County options. This will ensure that you purchase the right insurance for your specific needs.