California Auto Insurance
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About

California Auto Insurance

As a leader in California auto insurance, Acceptance strives to provide exemplary value and service to each of our policyholders. Through affordable pricing and great coverage, we provide a wide range of policies to suit all types of drivers, from those with perfect driving records, to high risk drivers. No matter what your situation, Acceptance has a policy to fit your needs with a wide range of coverage and deductible options.

State Requirements

California requires mandatory minimum liability coverage featuring $15,000 of coverage in the event of injury or death for one person, $30,000 for more than one person, and a maximum of $5,000 of coverage for damage to property.

Basic Liability Coverage

It’s important to note that basic liability coverage is intended to protect the other party, and not yourself, or your property (your car or belongings inside it). These minimums exist in order to ensure that each driver on the road has a minimum amount of coverage but it’s worth considering additional coverage as the expense of even a mild accident could easily exceed your coverage, leaving you vulnerable to paying out of pocket or lawsuits by the other parties involved.

Comprehensive and Collision Coverage

While basic liability coverage is all that is required by law, many policyholders opt for more comprehensive policies including additional coverage such as theft, vandalism, and additional property coverage that ensures you’re covered if you need to replace or repair your vehicle after an accident. You can even purchase rental car reimbursement coverage.

Uninsured Motorist Coverage

Even though there is a minimum coverage in the state of California, there are many drivers who do not meet these requirements. There are also times when the damages to your vehicle will not be completely covered because the driver at fault is underinsured. With Acceptance, there are coverage options to make sure you are protected should either scenario arise.
Thomas Kunstmann
Acceptance Agent,
Foley, AL

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