Auto insurance typically covers liability (injury and property damage to others), collision (damage to your vehicle), and comprehensive (non-collision-related incidents such as theft or natural disasters). You can also opt for additional coverage such as roadside assistance, uninsured motorist protection, and rental reimbursement.

“Full coverage” refers to a combination of liability, collision, and comprehensive insurance. While not required by law, full coverage is highly recommended if you want to protect yourself against a wide range of risks. If you are leasing or financing a car, your lender may require full coverage.

Several factors can impact your premium, including your driving history, vehicle type, age, location, credit score, and the level of coverage you choose. Discounts may also be available for maintaining a clean driving record or taking defensive driving courses.

Yes, in most states, including California, auto insurance is required by law. The minimum required coverage generally includes liability insurance for bodily injury and property damage. However, we recommend additional coverage for better protection.

First, make sure everyone involved is safe and call the authorities. Exchange information with the other driver and gather evidence if possible (e.g., photos of the damage, witness information). Then, contact our claims department as soon as possible, and we’ll guide you through the claims process.