Auto Insurance

Depending on where you live in California, owning a car is a necessity. If you do have a car in this state, it is important that you make sure that you are responsible. This includes making sure that you stay current with maintenance and get all necessary forms of insurance for your situation. There are several reasons why someone in the state may be required to get an auto insurance policy.

State Liability Requirements

One reason why you will need to get an auto insurance policy is that it will ensure that you are following the state minimum liability requirements. Like other states, California will always require that you have an auto insurance policy that meets the minimum requirements for liability coverage. This will ensure that you are able to pay for an accident that you cause while driving and are found liable.

Lender Requirement

While you are only required by law to carry liability insurance with your auto insurance policy, there are other situations when you may need a full collision and comprehensive policy. With this type of auto insurance policy, you will get coverage for virtually any situation that could cause a loss for you. If you have taken out a loan to buy your car, the lender will likely want you to have this full coverage. This will ensure that you are able to pay off the loan or lease if the vehicle is damaged.

If you are going to get an auto insurance policy in California, it would never hurt to work with an expert to make sure you get the right policy for your situation. The team at Samko Insurance & Financial Services can address any of your concerns or questions when it comes to auto insurance. Additionally, Samko Insurance & Financial Services can help you to get into a great policy that will ensure you are always properly covered.