Shift Insurance - Car Insurance In California


Independent Insurance Agency

Speak To A Licensed
California Insurance Agent

Call 562-714-9424
Get help and start saving today!

Getting into an accident can change your life. Even if you were not the one at fault, the law may see it differently, and this means that it will be your responsibility to pay for damages to all the vehicles and people involved. This is not something that many of us can afford, so liability coverage is very important. This type of coverage will pay for any damage you are responsible for and can even include physical injury if that is a part of your coverage. Making sure that you are properly covered with liability insurance before you drive is important. At the very least, get basic coverage. This should not be an issue as most states require you to have basic liability coverage anyway.

The two most basic forms of liability are bodily injury and property damage. 


Bodily Injury Liability Coverage:

This coverage takes care of any issues with medical bills, lost wages, pain and suffering, and other damages that are specific to your legal responsibilities. Your legal costs are also covered by this type of liability coverage. It is highly important to make sure you have sufficient bodily injury liability coverage because in most accidents, medical and legal bills are part of the package. Some of the main things covered by bodily injury liability coverage include:

• Fees dealing with the legal aspect of the accident, including attorney fees, bail bond fees, and anything else involved in this part of the accident. 
• Medical bills and expenses for the injuries caused by the accident. This will typically include any future medical treatments that are required for long standing injuries. 
• Fees for the emergency personnel that respond to the accident. 
• Compensation of lost wages due to being out of work because of injury sustained in the accident. 
• Expenses that are incurred if the other party is killed in an accident, such as funeral costs.

Property Damage Liability Coverage:

This coverage takes care of vehicle damage and any other property that sustains damage in the accident. Other property can be damaged if the accident does not involve another vehicle. Maybe you have hit a building or some other tangible item. If this is the case, property damage liability will cover it. In addition, it will also cover bills related to legal fees attached to the accident. Some of the other things that are covered under this liability coverage include the following:

• Replacement or repair of the other party's car. 
• Storage fees incurred when the other vehicle is towed. (Tow fees are also covered) 
• Rental of another vehicle for the party who was not at fault. 
• Cost for repairing any property, other than a vehicle, that was damaged in the accident.

Keep in mind though that both forms of California car insurance liability coverage have limits. The limit comes to the total amount of money your insurance company will pay out. This amount is dependent on the type of coverage you have opted for. Even though it makes your insurance payment cheaper to have less liability coverage, it may be worth paying the extra money to ensure that you are covered in the event that an accident does occur that you are responsible for making restitutions.

By: Raphael Locsin

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
Get A Quote
Manage Your Policy
Car Insurance Blog
Car InsuranceClick Play To...
Cheap Car Insurance Video
Learn How We Save You Money!

Free Roadside Assistance
Make A Payment File A Claim Request Proof of Insurance Make A Change
Four Reasons to Quote Through Our Company Four Reasons To Get An Insurance Quote From Us
Shift Insurance - fast It's Fast Shift Insurance - accurate It's Accurate Shift Insurance - affordable It's Affordable Shift Insurance - easy It's Easy
Quickly submit your application for a free California car insurance quote. With just some basic information, we will find you the cheapest price! As an independent agency we offer accurate coverages with the personal touch you would expect from your neighborhood agent Whether you have an ideal driving record or not, we find the right coverage, with the best company to ensure you receive the cheapest car insurance available! Easily submit your application for free using our easy-to-use website. Our convenient online forms instantly connect you with the best California car insurance quotes!

Follow Us


Quick Links

City Links  Featured Resources "Changing the way
you think about insurance"

Home Page
Free Quote
Customer Service
Insurance Blog
About Us - BBB
Privacy Policy

Los Angeles
Long Beach


Top 31 Ways to Save
How to Read a Policy
DUI - What to Expect
How to Buy a Car
Free Accident Cheat Sheet
Insurance and Car Theft

 Shift Insurance    |   5150 Candlewood St # 6E, Lakewood, CA 90712   |   (562) 714-9424 - CA License #: 0H74904   |   Auto Insurance California