California Auto Insurance for 2012, What's Important ?

Ask any one what is the most important feature of their auto insurance and most of the time the answer revolves around the car. I want my car fixed if its in an accident, What happpens if it gets stolen? or maybe I need it to get my registration. Although these might be valuable they are not nearly the most important. First and for most California Drivers should be looking at their liability coverage. You can recover from the loss of your car but what if you cause a serious accident, then what. With medical costs as hiogh as they are, can you recover from injuries for which you are responsible that exceed $100,000? This needs to be considered when you get a quote that promises saving money on your auto insurance. We have seen accidents where the medical bills for the other party have been as high as $400,000 and more. These have been serious accidents and the emphasis is on accident. With liability limits of $100,000 per person and $300,000 for the accident, that can leave your personal assets at risk. As a young driver you might say I don't have that much to take, How about future earnings? There is no one size fits all. Each person needs to have their needs looked at individually. We have seen alot of insurance policies that leave the insured at risk. Second and thought about the least, Uninsured and underinsured motorist. This coverage provides for you if you are in an accident and are injured. If the other party is at fault and their insurance is not adequate ( remeber we have seen many policies that are inadequate just in this office) who is going to pay your bills? To make this simple, If you are injured in an auto accident and the other parties insurance dioes not cover you loss, your uninsured or underinsured motorist can step in and pay them. There are several caveats, the major one being your limits must be higher than the person that hit you. If they carry $15,000 and you carry $100,000, you have $85,000 of caoverage available. We have seen many policies with $15,000/$30,000 of uninsured motorist coverage and with todays medical costs, that just isn't enough. Here at Ted Hamm Insurance we strive to match the protection to the need.We work to match the client with the right coverage. CAll us at 805-238-1818


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