The basic required Moreno Valley car insurance coverages are not enough to protect your own car.

The State of California only requires that you carry enough car insurance to be able to pay for the damages that you cause to another person or vehicle. These coverages and their limits are:

• $5,000 in liability property damage coverage
• $15,000 in bodily injury liability coverage per person
• $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured

These coverages are known as “liability coverages” and they do not pay for any damages that may happen to your vehicle. If you want your insurance company to pay for the damage to your vehicle, you will need other types of coverage added.

What Other Moreno Valley Car Insurance Coverage Do I Need?

In order for the damages to your vehicle to be paid for, you need to purchase comprehensive and collision coverage from your Moreno Valley car insurance agent. Collision coverage will pay for damages to your vehicle if you hit something and comprehensive coverages pay for damages caused by things like animals.

These coverages are optional, but if you don’t get them you will have to pay for your car to be fixed with money from your own pocket.

Do I really Need These Other Moreno Valley Car Insurance Coverages?

If you are wondering if purchasing comprehensive and collision is worth it, consider the following infographic from Answer Financial.

So the question you need to ask yourself is, can you afford to fix the parts listed above if you chose to go without the extra Moreno Valley car insurance?

Coverage you need to protect your vehicle is more than the minimal Montgomery car insurance.

Don’t let this guy make you sorry that you only opted for the minimum required Montgomery car insurance.

Drivers in Alabama are told that they have to carry the minimal Montgomery car insurance to protect themselves. But, the actual protection afforded by the required Montgomery car insurance only protects you from having to pay for all the damages that you cause to another person or their property. This coverage does not pay for the damages to your own vehicle.

Basic Montgomery Car Insurance

The State of Alabama requires that all drivers within the state carry the following car insurance coverages:

1. $25,000 in coverage for damage to another’s property
2. $25,000 in coverage for medical expenses related to injuries you cause to another person
3. $50,000 in coverage for medical expenses related to injuries you cause to another person

The above coverages are liability coverages and do not pay anything if something happens to your own vehicle. So if your vehicle gets hit or stolen, you will have to pay for it out of your own pocket.

Protecting Your Vehicle From Theft

If you are worried about your vehicle being stolen, but you can’t afford more than the minimum required Montgomery car insurance, per the Montgomery, Alabama, Code of Ordinances you can participate in the Combat Automobile Theft program.

“Sec. 27-7. Combat automobile theft program.

(a) The city police department shall implement an automobile theft prevention program to operate as follows:

(1) Motor vehicle owners who desire to enroll their vehicles in the automobile theft prevention program shall execute consent forms which will authorize the owners involvement in the program. A consent form signed by a motor vehicle owner provides authorization for a law enforcement officer to stop the vehicle when it is being driven between the hours of 1:00 a.m. and 5:00 a.m., provided that a decal is conspicuously affixed to the bottom left corner of the back window of the vehicle to provide notice of its enrollment in the combat automobile theft program.

(2) The combat automobile theft program decals shall conform to the specifications established by the state department of law enforcement. The decals shall be yellow in color and will be issued to owners who enroll in the program. The decal shall be placed on the bottom left corner of the back window of the automobile.

(3) An administrative fee of $2.00 shall be established to cover costs of the program. The police department shall collect the fees from all program participants.

(b) The vehicle owner shall be responsible for removing the decal when terminating participation in the program, or when selling or otherwise transferring ownership of the vehicle.

(c) No civil liability will arise from the actions of a law enforcement officer when stopping a vehicle with a yellow decal, evidencing enrollment in the program, when the driver is not enrolled in the program, provided that the stop is made in accordance with the requirements of the combat automobile theft program.

(d) This program shall be implemented upon issuance of written program materials and procedures by the police department.”

Unfortunately, if your car thief doesn’t get caught with this program then you will have to pay for a new car out of your pocket. So it would be best  to use, but not depend on the Combat Automobile Theft program.

Additional Montgomery Car Insurance

Another way to protect your vehicle in the event that it is stolen, is to purchase comprehensive car insurance. This coverage covers any damage that happens to your vehicle that is not a collision, which includes the insurance paying actual cash value for the vehicle if it ever gets stolen.

Another coverage that you should have is collision coverage. This coverage will pay for the damages to your vehicle in the event of a car accident, damages that are not covered under the required Montgomery car insurance laws.

New Georgia driving laws are doing more to protect teen drivers and Columbus car insurance is there just in case it isn’t enough.

Being able to drive for the first time is exciting, just make sure that you have enough Columbus car insurance for the not so exciting times.

“Motor vehicle crashes are the leading cause of death of 15 to 20-year olds. In 2005, 136 Young Drivers (Ages 15-20) were killed and an additional 193 others killed as a result of a crash involving a driver (Ages 15-20) in Georgia. In 2008, 3,500 15- to 20-year old drivers were killed and an additional 350,000 were injured in motor vehicle crashes nationally.” (Georgia Department of Driver Services)

Being the parent of a new teen driver is stressful enough without knowing the above statistics. But, parents can rest a little easier knowing that the State of Georgia is trying to do their part in helping to decrease the number of teens that are in both fatal and non-fatal accidents.

Teen Driving Learning Requirement’s

Under Joshua’s Law, if a driver is 16 and wants their driver’s license they have to:

• Complete Driver’s Ed
• Complete a total of 40 hours of supervised driving
• Complete at least 6 hours of supervised night driving as part of the 40 total hours

Going to School is Mandatory

For all teens that are under 18, school attendance is mandatory if they want their driver’s license. In fact, it is required that you have good school attendance for the entire academic year before you are even allowed to apply for a driver’s permit or a license.

To be able to get and keep your license, while under 18, you cannot:

1. Drop out of school for more than 10 consecutive days
2. Have ten or more unexcused absences

Teenage & Adult Driver Responsibility Act

The Teenage & Adult Driver Responsibility Act is basically a graduated driver’s license. It has 3 steps that allow the teen driver to be able to learn how to drive at a safe and slower pace, with each step granted more and more driving freedom.

For the exact details of each step and what is required of the new driver at each level, visit http://www.dds.ga.gov/teens/index.aspx.

Columbus Car Insurance

Normally a teen driver who has a permit is not required to be listed on the family Columbus car insurance policy. However, it is always best to check with your car insurance agent for your insurance company’s requirements.

With a teen driver, it is also best to have more than the minimum insurance requirements of 25/50/25 that Georgia requires all insurance policies to have. Again, talk to your Columbus car insurance agent about what coverages you need to protect yourself and the new young driver in the house.

Essential steps to take after a car accident.

The minutes that follow a car accident are confusing and stressful. It can be hard to remember the important things that you need to do when you are worried about injuries and are emotional that the situation even happened.

To help drivers after an accident, Allstate put together an awesome infographic giving them a list they can follow without having to try and remember what to do. We would recommend printing this out and putting it in your glove box, or saving it on your phone, so that you have it in your vehicle. just in case you need it.

The state mandated Fontana car insurance requirements fall short on protection.

More money will be leaving your pocket, unless you have the right amount of Fontana car insurance to protect you.

The basic coverages that are required by the State of California for Fontana car insurance fall short of being adequate protection. The only thing that these required Fontana car insurance coverages protect, is other people that you may cause damage to in a car accident. Even then, these coverages are so minimal that you are still more than likely going to end up having to pay for much of the damage out of your own pocket.

Fontana Car Insurance Requirements

The State of California makes it so that insurance requirements are the same for all drivers that have vehicles registered in the state. This means that Fontana car insurance coverage requirements are the same coverages that are required from Yreka to San Diego. These requirements include:

1. $5,000 in liability property damage coverage
2. $15,000 in bodily injury liability coverage per person
3. $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured.

The Need for Additional Fontana Car Insurance

The Fontana car insurance requirements above don’t come anywhere near the amount of insurance that you actually need if you were to get into a car accident. First, if your own car is damaged in an accident the required Fontana car insurance requirements do not cover your vehicle. This is because the coverage that you are required to have is called liability coverage and it only covers the damage that you do to another person’s vehicle.

Second, the limits for the minimal required coverages are nowhere near what it costs to replace or repair a vehicle or pay for the expenses incurred from an injury.

As an example, the minimum in liability coverage that you have to have to Fontana car insurance is only $5,000. If you total another person’s vehicle you will have to pay for the cash value of their vehicle. How many cars on the road today are worth $5,000 or less?

Total an expensive $40,000 vehicle and you only have $5,000 in coverage? You will be responsible for paying the remaining $35,000 out of your own pocket.

So do yourself a favor and contact your Fontana car insurance agent about purchasing more than the minimum amount of coverage that the State of California requires.