In the state of California, most residents say that a vehicle is an absolute necessity. However, it’s important to remember that the vehicle itself isn’t the only expense. Automobile Insurance in Santa Cruz is legally required for all Santa Cruz, California residents who own a vehicle today. Some of the penalties for not maintaining auto insurance can include fines of $1,000 or more, vehicle impounding, and a traffic citation. Here is the “must know” information regarding auto insurance for Santa Cruz residents.
The Minimum Auto Insurance in California
The state of California requires the following types of coverage by law.
* Bodily Injury Coverage: This kind of liability coverage must be maintained in an amount of at least $15,000 per person and $30,000 per accident.
* Property Damage Coverage: This type of liability coverage must be maintained in an amount of at least $5,000.
* Uninsured Driver Bodily Injury: This kind of coverage must be maintained in an amount of at least $15,000 per person and $30,000 per accident.
* Uninsured Motorist Property Damage Coverage: This type of coverage must be maintained in an amount of $3,500 minimum.
The Non-Required Types of Insurance
There are also other types of insurance that are not required, but are usually recommended. Collision coverage handles damages to the insured driver’s vehicle, even if they were at fault for said damages. Comprehensive coverage handles situations like weather related damages, theft, and vandalism. For well rounded auto coverage, it’s best to combine liability with collision and comprehensive coverage.
What About Auto Insurance Discounts?
The state of California wants to make it as easy as possible for their residents to maintain auto insurance policies. Therefore, good drivers are rewarded with policy discounts. The California Insurance Code stipulates that the “California Good Driver Discount” will be available to drivers who are able to meet the criteria. This includes being accident free and faithfully paying insurance premiums on time. Drivers can accrue one point from the Department of Motor Vehicles in the last three year period and still maintain their California Good Driver Discount.
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