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Lindsay California auto car homeowners insurance policies purchased by the owner
of a vehicle provide two forms of liability coverage: bodily
injury liability and property damage liability. If you are
responsible for an accident that injures other people, bodily
injury liability insurance protects you against their claims
for damages, such as medical expenses, lost wages, and pain
and suffering. Property damage liability pays for damage you
are legally responsible for to the property of others, such
as a dented fender, broken glass, or a damaged wall or fence.
Both bodily injury and property damage liability insurance
will pay if an accident is caused by a member of your family
living with you unless the family member is specifically excluded
from coverage through a named driver exclusion. Lindsay California auto car homeowners insurance coverage is also provided for any person using your
car with your permission. The auto car homeowners insurance
company will also cover you and any family member living with
you when you are driving a vehicle owned by someone else.
Bodily
injury and property damage liability insurance are sold with
specific policy limits.
Bodily injury liability coverage may be purchased with a multiple
(or split) limit, or with a single limit. Split limit policies
pay a certain amount to each person in an accident. The total
amount paid out is subject to a maximum for each accident.
Lindsay California auto car homeowners insurance requires
you to carry policy limits at least as high as the legal financial
responsibility limits of $50,000 for bodily injury to one
person with a maximum of $100,000 for bodily injury to two
or more persons, and $25,000 toward damages to others' property.
This is commonly referred to as 50/100/25 limits.
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If you choose to increase the amount of coverage you carry,
you will be charged an additional premium to pay for the increased
risk of a higher claim that your insurance company assumes.
The additional premium charged for this coverage is usually
relatively low. Remember, price is only one factor in selecting
an auto car Homeowners insurance company. Be sure you also make
an educated choice by including the financial stability of an
auto car homeowners insurance company in your decision process.
An online marketplace such as this site is the perfect place
to do such research quickly and easily. Where do you go for
answers before you buy auto car homeowners insurance, make a
change to your policy, or if you have an auto car homeowners
insurance concern? Right here. We'll explain basic auto car
homeowner's insurance terms, and give you answers to your questions.
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