Car insurance might not be the most exciting part of driving, but when an accident happens, it becomes one of the most important. In California, knowing what your policy covers can save you a lot of stress and money. Whether you’re dealing with an uninsured driver, trying to pay for car repairs, or figuring out how to handle medical bills, your coverage matters. From liability limits to rental car help, here’s what every California driver should understand before getting behind the wheel.
The moment you need it is never the moment you want to be caught off guard so, here are the key things California drivers should check:
Uninsured/Underinsured Motorist Coverage
This protects you if the other driver has no insurance or not enough. In California, it’s optional but strongly recommended.
Bodily Injury Liability Limits
This is how much your insurer will pay if you injure someone in an accident. Choose limits that protect your assets.
Property Damage Coverage
Covers damage to the other driver’s car or property. Check if your policy limit is enough to cover today’s high repair costs.
Exclusions to Watch For
Some policies won’t cover rideshare driving, off-road use, or custom equipment. Be sure you know what’s not included.
Medical Payments (MedPay)
This helps with your medical bills after an accident, no matter who was at fault.
Extras Worth Having
Towing, rental car reimbursement, and roadside assistance can be a lifesaver when you’re stuck.
Know What You’re Paying For
Your insurance policy is more than just a monthly bill it’s your financial safety net in a crash. By understanding what’s covered, what’s not, and where you might need more protection, you can make smarter choices and avoid surprises when you need help the most. If you’re unsure about your current coverage, it’s worth reviewing your policy with an insurance professional to make sure you’re truly protected.
Need help understanding your insurance or filing a claim? Call (626) 733 – 4100 or visit bwaterlaw.com
