It’s not a secret that the roads in California can go from empty to bumper-to-bumper in almost no time. With that kind of fluctuation comes bad drivers and big accidents. Whether you’re on your way to work, dropping the kids off at school, or out running errands, everyone in your vehicle needs to be protected.
Your California auto insurance policy rides with you every step of the way. The right insurance policy protects you after a bad accident or a minor fender-bender. The wrong policy leaves you worse off than before. You’ve worked too hard to lose everything because you don’t have the right kind of auto insurance policy.
At IBW, we help you find the best auto insurance coverage for your needs at the best price. It doesn’t matter if you’re driving on the 405 or you’re on the backroads of Ojai. The right California auto insurance policy will be with you every mile of your drive.
California is a fault or tort state. This means that a person must be found responsible for causing the accident before insurance will pay for the damages. To protect yourself and your family, make sure you have plenty of auto insurance coverage so that you’re covered no matter what happens.
Liability: Liability coverage is required in California. You must carry at least $5,000 for damage to property and $15,000/$30,000 for injury liability but you’ll need much more to be safely covered. These limits were set in 1967 and haven’t been adjusted for the increase in costs.
Uninsured and Underinsured Motorist Coverage: You’ll be covered if the other driver doesn’t have enough or any auto insurance and caused the accident up to the limits you have selected.
Medical Payments: The excess medical expenses of you and your passengers are paid up to the coverage limits if you’re in an accident — whether you’re at fault or not.
Collision: Collision coverage pays for damage to your vehicle if you’ve been in an accident with another driver.
Comprehensive: Comprehensive coverage pays for damage to your vehicle from accidents that don’t involve another driver: major storms, and/or theft, as well as other covered incidents.
When you carry full coverage auto insurance in California, which includes collision and comprehensive coverage, you can include other types of coverage with your policy, based on the carrier you select:
If you travel to and from Mexico in your vehicle for any reason, ask about our Mexico auto insurance options.
In the state of California, you’re entitled to a discount of up to 20 percent for being a good driver. You must meet certain criteria to be eligible.
Drivers who carry collision coverage may be eligible for the Collision Deductible Waiver. This means your insurance provider will pay your collision deductible if you’re in an accident caused by an uninsured driver.
Talk to one of our agents at IBW and let us put together a California auto insurance policy that cover you over every mile. Contact us today!