If you are a driver in any state in the U.S., it is likely required for you to have some form of car insurance. Every state mandates car insurance laws differently, so there are different levels of coverage that you can typically choose from. Why is this such a strict rule? Why do you have to have car insurance at all times?
Do You Have to Have Car Insurance?
Shopping for the perfect insurance plan (at the perfect price) can be a struggle when you are trying to find it on your own. Safecal provides different package plans for personal, commercial, auto, and business insurance in Los Angeles. Take a look at the following information about required car insurance and see how we can help you find the biggest benefits and discounts for your plan.
Why is Car Insurance Necessary?
Cars are dangerous vehicles, even when they are being operated safely and responsibly. Unfortunately, you can’t control what other drivers do, so it’s a good idea to keep yourself and your vehicle protected when going out on the road. Insurance can help you:
- Cover large repair expenses in the event of a crash, whether you are at fault or not
Make payments towards your car loan - Cover towing, repair, and other emergency services you may need after an accident
Avoid huge fines that could be placed on you if you are discovered driving without insurance - Take care of medical bills if an accident causes bodily injury
When it comes to driving, it is always better to be safe than sorry. You don’t need to empty your pockets just to afford required insurance, though, as there are plenty of affordable plans that can keep you covered where it’s most important.
State Minimums
The only two states in the U.S. that don’t absolutely require car insurance are New Hampshire and Virginia. If you live anywhere else, you need to at least have the mandated minimum amount of car insurance. In California, the DMV states that the minimum coverage for private vehicles needs to include a $15,000 liability plan for injury, $30,000 for death, and $5,000 for property damage. Make sure you double-check with your state’s website to understand exactly what minimum insurance plans are required for all drivers.
Non-Insurance Costs are Astronomical
Paying for insurance on a monthly or yearly payment plan can seem like a hassle, but having to completely cover the cost of an expensive repair job or medical treatment after an accident will absolutely break your bank account. Insurance is just that: protection. With different types of auto insurance, you will stay protected against certain liabilities that may otherwise cost you an arm and a leg.
Limited liability coverage helps keep money in your wallet if you get into a collision, as you won’t be responsible for paying all of the repair fees. Collision and comprehensive car insurance can be helpful for those looking for a full, well-rounded plan that covers all of the basics and more. For example, if your vehicle were to get totaled or you were to end up in a bad crash with bodily injuries, a good insurance plan will ensure that this devastating event is not also devastating to your savings.
Find the Perfect Insurance Plan Today
At Safecal, we provide a wide variety of insurance products in Los Angeles for drivers, business owners, homeowners, and anyone else looking for the best plan to cover their needs. It can be confusing trying to figure out what is required of you by your state, as well as by your bank in order for you to drive your car. Get in touch with our insurance experts today and we will match you with a plan that is personally suited to cover your most pressing needs.