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Damage Liabilities That a Good Auto Insurance Policy in Los Angeles Must Cover

LosAngelesCAAutoInsuranceEvery auto insurance policy in Los Angeles must cover even the most basic minimum liabilities in case of accidents and theft of the vehicle. To be able to pay up for the damages caused, a minimum liability coverage range has been set up by the Los Angeles DMV at its own particular amount.

In the state of California, the person found guilty in the accident has to bear the cost of car repairs. On top of that, there are the legal fees that must be forfeited. These penalties can be high enough to jeopardize your financial situation. This is why proper insurance planning is needed in California. There are 3 damage liabilities on which the offender’s insurance policy is expected to pay for according to auto insurance laws for Los Angeles.

•             Individual bodily damage. It is the compensation that your insurance company will pay for in case of injury to one person. Usually, the amount is between $10,000 and $50,000 but the California government has kept the level to be around $15,000.

•             Complete Bodily Injury Liability. This is the amount that your insurance company will pay as compensation for injury caused to all the people in the accident. The defined limits are $20,000 and $100,000. On the other hand, California’s bodily injury liability is roughly $30,000.

•             Damage to property Liability. This pays for all the damages caused in the accident including the damage in the cars, telephone poles, mail boxes, fire hydrants, etc. The range for this compensation has been kept to be around $5,000 and $25,000. In California, one needs to pay for $15,000.

This minimum injury liability is quoted as 15/30/15. For coverage like this, one needs to pay an insurance amount of more or less $850 which is slightly higher than the national average of $820.

Most insurance critics reckon that the minimum compensation level is not always enough once the damage cost is calculated with the high risk of accident. To avoid being surprised by the liabilities such as medical expenses and property damage that must be covered, it is advisable to get higher coverage. All this can be achieved with a little increase of annual payment as premium. This is helpful to be more secured and to lessen financial burden.

Enter your ZIP code at the space provided on this website to find your ideal auto insurance that will provide you higher coverage. With the best quotes from various insurers, get to know the policies and the maintaining rules of the DMV in Los Angeles.