Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.
It’s often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage.
Related FAQs
Yes, if you carry Comprehensive coverage. Comprehensive covers flood, fire, falling trees, hail, and theft. Liability-only policies, including California's minimum coverage, don't pay for damage to your own car. Flood- ...
After a California car accident, move to safety, call 911 if anyone is hurt, exchange information, document the scene, and report the accident to the DMV if required. Check for ...
Uninsured motorist (UM) coverage isn't mandatory, but California requires insurers to offer it, and it's strongly recommended. Industry estimates put roughly one in six California drivers on the road without ...
