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Drivers purchase car insurance to cover the cost of damage to a vehicle after an automobile accident. People are required to submit proof of insurance when they renew their driver’s licenses, and drivers must maintain coverage to operate vehicles. Failure to maintain insurance coverage could result in a ticket or jail time. Learn more about Seguro de auto en San Diego para descubrir cómo encontrar la mejor política para sus necesidades.
Cobertura de responsabilidad
Liability coverage is required for all vehicles. This type of coverage covers the cost of property damage and the injury or death of another person in an automobile accident. Drivers in California must purchase a minimum coverage amount of $15,000 dollars for property damage, $30,000 dollars for the injury or death of another person, and $60,000 for the injury or death of more than one person.
Colisión y cobertura integral
Collision insurance covers the cost of damage to your car from another vehicle, a pedestrian, or physical property, such as a fence or gate. This type of coverage is used to repair damage to your vehicle if you’re at fault for the accident.
El seguro integral cubre el costo del daño físico a su vehículo que no involucró una colisión. Este tipo de seguro cubre daños a la propiedad por desastres naturales, como granizo o inundaciones. El seguro integral también brinda cobertura por robo y vandalismo.
Collision and comprehensive coverage are optional in California. Many auto finance companies require drivers to purchase collision and comprehensive insurance. The insurance company pays to have the vehicle repaired or replaced, depending on the extent of the damage. The cost of collision and comprehensive insurance depends on the market value of the vehicle and the deductible.
Cobertura de motorista sin seguro
An automobile accident involving an uninsured motorist is very expensive. Uninsured motorist insurance covers medical expenses for the driver and passengers when the other person doesn’t have insurance. Uninsured motorist coverage pays for medical bills and funeral costs. Car insurance companies in California are required to offer motorists uninsured motorist coverage for an additional premium. Motorists can decline the coverage by signing a waiver.
Cobertura de respaldo
La cobertura de endoso ofrece a los automovilistas la oportunidad de incluir servicios adicionales en una póliza. La cobertura puede incluir robo y daños a equipos estéreo y ruedas personalizadas. Es común que los automovilistas agreguen cobertura adicional para asistencia en carretera. Las compañías de seguros de automóviles también brindan cobertura para el reembolso del alquiler de automóviles mientras se repara un vehículo después de un accidente.
La importancia de la cobertura de automóviles
It’s important for motorists to maintain automobile coverage to minimize liability and expensive premium rates. Uninsured motorists are required to pay for property damage to other vehicles if they were at fault. A lapse in coverage costs a motorist more money in the immediate future. Insurance companies can refuse coverage or charge a higher premium if a motorist has a lapse in coverage.
Los conductores que buscan un seguro de automóvil confiable y asequible deben comunicarse con los profesionales experimentados de Altra Insurance Services. Además de la cobertura de automóviles, ofrecemos una variedad de productos de seguros, incluidos propietarios de viviendas, empresas y seguro de moto. San Diego Los residentes deben llamar a uno de nuestros agentes amigables hoy al 619-474-6666 para obtener un presupuesto gratuito.