auto insurance medical expense coverage
Los Angeles has one of the highest accident rates in the country. It also has one of the highest percentages of uninsured drivers. Suffice it to say, if you live in Los Angeles you need auto insurance. Here's how to get cheap auto insurance in Los Angeles.
California Minimum Coverage
To drive your car in California, the minimum amount of auto insurance required by state is as follows:
$ 15,000 bodily injury coverage responsibility for one person – This coverage pays for medical expenses and lost wages for one person is injured in an accident.
$ 30,000 injuries bodily liability coverage for all people – This pays for medical expenses and lost wages for all people injured in an accident.
$ 5,000 property damage liability coverage – This pays for car repairs for someone other than any personal property damage in an accident.
These are the minimum amounts of coverage you need, however, do not cover you or your car. For that you need …
The coverage Personal injury protection – This and their passengers pay their medical expenses after having an accident, no matter who was at fault. If you already have health insurance you may not need this coverage.
Collision and comprehensive coverage – Collision coverage pays to repair or replace your vehicle after having an accident. Comprehensive coverage pays to repair or replace your vehicle after it was stolen or damaged by vandalism, fires or acts of nature.
None of these coverages is necessary, but recommended due to the high accident rate and the rate of car theft in California. You can save money on these coverages by raising your deductible (the money that you pay on a claim with your insurance company pays).
No uninsured or underinsured motorist coverage – This pays medical bills if you are beaten by an uninsured driver, unsafe, or hit and run. This coverage is highly recommended due to the high number of drivers underinsured and uninsured in California.
Where to get a cheap rate
Http: / / www.LowerRateQuotes.com visit or click the link below to get car insurance quotes Los Angeles rate of top-rated companies and see how much you can save. You can get more tips and advice section of his articles, and get answers to your questions from an insurance expert by using their online chat service.
About the Author:
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Los Angeles auto insurance.
Article Source: ArticlesBase.com – Los Angeles Auto Insurance – How to Get a Cheap Rate
23. Do I use my health insurance card to pay for my medical expenses?
