Optional Coverages For Auto Insurance Orange County Policies

If you are a resident of Orange County, you are required to carry auto insurance to satisfy state mandated laws. While most drivers understand that liability insurance is required in the state of California, many individuals fail to realize the importance of investing in optional coverage options. If you are currently carrying the state minimums and only the state minimums it is time to review your auto insurance Orange County policy and make adjustments. Understand how optional coverages protect you and your family and how you can be putting yourself at risk if you elect not to carry these essential coverages.

Uninsured Motorist coverage is optional in the state of California. While Uninsured Motorist is an optional coverage, all insurance providers are required by law to offer it. Before you sign the required rejection form to reject the coverage, understand what it covers. HostGator . Uninsured Motorist coverage will pay for injuries to you and your passengers caused by an at fault driver that does not have insurance. Even though the law requires drivers to carry insurance, there are always people who disobey the law. If you do not carry UM coverage and do not have medical insurance, you and your passengers can accrue hefty medical bills that will put you in debt.

Another optional coverage found in auto insurance Orange County policies is Medical Payments coverage. Just like Uninsured Motorist, auto insurance providers in the state are required to offer drivers Medical Payments coverage. Policyholders do have the right to reject this coverage by signing a rejection form. Before you sign this rejection form, understand why you need Medical Payments coverage. ca first mortgages. This coverage will pay for injuries to you and your passengers no matter who is found at fault for the accident. If you do not have medical insurance, or you often drive with passengers who do not have medical insurance, you should carry a higher limit of Medical Payments coverage. This coverage applies in, on, or around the vehicle.

Comprehensive and Collision insurance coverages are also optional unless your vehicle is financed. While the state does not require physical damage coverage, lending companies will force place full coverage if you do not carry it. Comprehensive and Collision coverages will pay for damages to your vehicle if it is stolen, vandalized, or involved in an accident. Be sure that you purchase these coverages if you cannot reasonably afford to replace your vehicle out of pocket.

When you are reviewing your auto insurance Orange County policy, also check the limits of liability you are carrying. Make sure your limits are high enough to protect your assets and purchase optional coverages if you can afford to do so. By carrying a comprehensive policy, you will be protected for all possible scenarios.

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