Breaking Down Auto Insurance

​Vehicle owners purchase auto insurance for cost mitigation when engaged in an accident. Rather than paying in cash for the repairs, medications, and treatment, people pay annually for premiums. In return, the insurance company pays for the coverages outlined in the policy.

The Main Gist
The given auto insurance may depend on the client’s gender, age, years of driving experience, history of moving violations and accidents, and multiple other factors. Most states require that all owners of vehicles purchase an amount of auto insurance at a minimum. However, plenty also buys additional coverage for higher protection.

Having a driving record filled with violations may lead to expensive premium. Although, you can reduce the costs by making plans with your insurer while you agree to have more risks on your hands, which means an increase in deductibles.

In return for purchasing a premium, you can then rely on your insurance company to cover for the losses mentioned in the policy. These include:

• Property – theft or damage done to your car.
• Liability – the legal responsibility to others for damage of property or physical injury.
• Medical – expenses for medication, rehabilitation, and treating injuries. These may sometimes include lost wages and costs for funerals.

Required Coverages by the State
Because most of the states require vehicle owners to own at least the necessary auto insurance policies along with varying laws, systems have individual prices. It allows you to customize the coverage you want and need to, suitable to your budget and preferences. Most policy terms have time frames of either six or twelve months and are mostly renewable. The customer will eventually receive a notification from the insurer when it’s time to pay another term of premium.

Although the requirements of auto insurance may vary from state to state, these are the similar outlines that they all require car owners should carry:

• Property damage liability – reimburses the damages that you or the person driving your car has caused to another person’s property or vehicle.
• Bodily injury liability – covers the expenses regarding the death or injuries that you or a person driving your car caused.

Who Does Auto Insurance Coverage Protect?
Having an auto insurance policy gives you the benefits of your family covered from the losses mentioned above, may it be your car or another person’s car. Your plan also offers coverage to someone driving your vehicle with consent despite not being included in your policy.

If you’re a vehicle owner without auto insurance, you might as well invest in one now. Aside from fearing the laws of the state, auto accidents sometimes also come at the most unexpected times. Better to get insured as soon as possible.

At Kapasu Insurance Services Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote.