Why One Should Have General Liability Insurance in San Francisco and Berkeley, California

Posted by ConciseSolutionsInsurance on October 13th, 2022

Having suitable car insurance is essential for car owners. Most states require drivers to have liability insurance as a condition for getting a driver's license. The various types of car insurance coverage include bodily injury liability coverage, medical payment or personal injury protection (PIP) coverage, and uninsured motorist (UM) coverage.

Driving without car insurance in Fremont and Berkeley, California, can be financially devastating if a driver gets into an accident. Sometimes, car drivers may be responsible for injuries and damage to other people's cars, even though they weren't at fault. In some instances, they may end up having their own vehicles impounded. It could be a real financial strain for the victim if the third-party driver doesn't have adequate liability insurance.

Regardless of the situation, it is crucial to have suitable insurance to avoid significant losses from such mishaps. When it comes to obtaining any insurance, consumers often find it challenging to find an affordable insurance policy that offers them proper coverage.

Here are six common car insurance coverage options one can consider when shopping for an auto insurance policy.

Auto Liability Insurance: Liability insurance is essential if the insured driver causes bodily injury or property damage to others. With general liability insurance in San Francisco and Berkeley, California, car owners will get financial compensation if they are found at fault in a car accident.

Uninsured and underinsured motorist coverage:

If car owners get hit by uninsured or underinsured motorists, their chances of receiving monetary compensation are pretty low. Uninsured motorist coverage may help pay for the medical expenses that one incurs if involved in an accident with a motorist without liability coverage. Similarly, underinsured motorist coverage can be helpful for those who have car insurance, but their liability limits are not sufficient to cover all their medical expenses after a car accident.

Comprehensive Coverage:

Comprehensive coverage helps car owners save money by protecting their car, truck, or SUV against an array of potential repair costs. In the event of a covered peril, comprehensive coverage may help car owners pay for all or part of the cost of replacing the windshield, tires, electronics, stereo, and other expensive components. Comprehensive coverage may help cover the towing and rental car expenses if the car is to be towed for repairs. Though it is typically an optional coverage, the lender may require comprehensive coverage as a condition of loan approval.

Collision Coverage:

If car owners are involved in an accident or hit an object, such as a tree or a pole, collision coverage will pay for the damage to their car. Having collision coverage means more savings and less trouble. One's vehicle's leaseholder or lender may require collision coverage because they could be held responsible if the car owner doesn't have it.

Personal Injury Protection:

PIP, or personal injury protection, is only available in certain states. Similar to medical payments coverage, PIP may help pay for one's accident-related medical bills. In addition, PIP may help cover additional expenses acquired as a result of one's injury, such as childcare costs or missed pay.

In certain states, personal injury protection is necessary to have, whereas, in others, it is optional.