How Much Property Damage Coverage Car Insurance Do I Need in California
Navigating Car Insurance in California: A Comprehensive Guide Buying car insurance in California can feel overwhelming, especially when it comes to understanding the differences between liability and property damage coverage. Both play crucial roles in protecting drivers on the road, but they serve distinct purposes. This guide explores how these coverages work, California’s legal requirements, and tips for securing the right insurance. Understanding Liability Coverage in California Liability insurance is a must-have for all California drivers. It covers the costs associated with bodily injury and property damage that you cause to others if you’re at fault in an accident. What Does Liability Coverage Pay For? When you’re at fault in an accident, liability insurance helps cover expenses such as: Medical Bills: Covers the cost of medical treatment for injured parties. Lost Wages: Compensates for income lost due to injuries from the accident. Pain and Suffering: Addresses non-economic