What is Liability Only Car Insurance in California?

Are you looking for car insurance in California? Liability Only Car Insurance is a great option for those who want the minimum coverage required by law. Liability Only Insurance provides coverage for bodily injury and property damage caused by you or another driver while operating your vehicle. It also pays for medical expenses if you or your passengers are injured in an accident. Liability Only Car Insurance does not cover damages to your own vehicle, however. It's important to understand what Liability Only Car Insurance does and does not cover so you can make an informed decision about the coverage that's right for you.

What Does Liability Only Car Insurance Cover in California?

When you purchase Liability Only Car Insurance in California, you must choose a minimum coverage amount. Liability Only Car Insurance covers bodily injury and property damage caused by you or another driver while operating your vehicle. It also pays for medical expenses if you or your passengers are injured in an accident. Liability Only Car Insurance will not pay for damages to your own vehicle, however.

Additional Coverage Options

Although Liability Only Car Insurance is the minimum coverage required by law, many drivers choose to purchase additional coverage. Comprehensive coverage, for example, covers damage to your vehicle from incidents such as theft, vandalism, and certain weather-related events. Collision coverage pays for damage to your vehicle when it collides with another object, such as another vehicle or a tree. Uninsured/underinsured motorist coverage pays for medical expenses if you are injured in an accident caused by an uninsured or underinsured driver.

What Are the Average Rates for Liability Only Car Insurance in California?

The average cost of Liability Only Car Insurance in California will vary depending on a variety of factors, including your age, driving record, and the type of vehicle you are insuring. Generally, older drivers and those with a clean driving record can expect to pay lower rates than younger drivers and those with a less than perfect driving record. The type of vehicle you are insuring can also affect your rates. Luxury vehicles, for example, tend to be more expensive to insure than economy vehicles.

Choosing the Right Coverage

When selecting Liability Only Car Insurance, it's important to make sure you have the right coverage for your needs. Consider your budget and the value of your vehicle, and then decide if additional coverage is necessary. Make sure to read the fine print of your policy and ask questions of your insurance agent so you understand exactly what is covered and what is not.

Conclusion

Liability Only Car Insurance is the minimum coverage required by law in California. It pays for bodily injury and property damage caused by you or another driver, as well as medical expenses if you or your passengers are injured in an accident. Liability Only Car Insurance does not cover damage to your own vehicle. It's important to understand the coverage you are purchasing and to purchase additional coverage if necessary. The average cost of Liability Only Car Insurance in California will vary depending on a variety of factors, so be sure to shop around for the best rates.