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Automobile coverages:

Your California insurance policy is divided into two types of coverages:

Section 1 or sometimes called, one way coverage, includes legally required coverage by the police, your leasing company, DMV or department of motor vehicles for license plate registration.

Section 2 is physical damage coverage to protect your car. If you are financing or leasing your car it is required by that company. If you do not purchase it, the finance/lease company may impose their own VSI, limited policy, REPOSSESS YOUR CAR, charge you interest on the insurance, and finally, not give you title until you pay for all of the above.

If you buy the minimum section 1 coverage required by the law, and section 2 physical damage coverage, required by the bank, some call it two way coverage. In other words, you are minimally protecting only the other party and your car.

SECTION 1

  1. For others: Bodily injury per person / bodily injury per accident / property damage per accident
  2. For you and people in your car: MEDICAL PAYMENTS per person
  3. For you and people in your car: UNINSURED MOTORIST PER PERSON / PER ACCIDENT
  4. For your car: UNINSURED MOTORIST PROPERTY DAMAGE or COLLISION DEDUCTIBLE WAIVER

SECTION 2

  1. COLLISION / UPSET coverage for your vehicle, with a deductible for damages up to market or policy stated value. You pay for all damages up to your deductible. The insurance company assumes the difference.
  2. COMPREHENSIVE or named perils cover you for non-accident types of damage claims against your vehicle for covered perils.
  3. Towing reimbursement - must be added to above to be included. Not every policy offers this coverage.
  4. Rental reimbursement - must be added to above to be included. Not every policy offers this coverage.
    SAVE 25-50 % --> Mechanical reimbursement - insured product. Dealers usually sell a non-insured mechanical breakdown policy at a higher price.


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