Frequently Asked Questions

• Who is covered under an auto policy?
• What is covered under the liability coverage of my policy?
• Are there other, optional coverages available?
• What is Uninsured Motorists Car Damage coverage?
• Am I covered for rental car expenses if my car is inoperable?
• What is the difference between collision and comprehensive coverage?

Who is covered under an auto policy?
Your policy covers you, your spouse, other relatives who live in your household and others who have permission to drive one of your covered vehicles. In a No-fault insurance state, your own policy would provide coverage for bodily injury and/or property damage without regard to fault. Some policies have Named Operator provisions which requires that all drivers must be listed on the policy to be covered.
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What is covered under the liability coverage of my policy?
The Liability coverage in your auto policy pays damages which an insured becomes legally liable to pay because of bodily injury damage to others and property covered by an accident resulting from the ownership, maintenance or use of your car. Most state laws require that you carry a minimum amount of liability insurance. The California minimum for Bodily Injury is $15,000 per person and $30,000 per accident.
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Are there other, optional coverages available?
Once you've met the minimum legal liability requirements, you should select other types and amounts of coverage to tailor your policy to your own needs.
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What is Uninsured Motorists Car Damage coverage?
Uninsured Motorists Car Damage coverage pays for damage to your automobile, that you are legally entitled to recover from an uninsured motorist, when caused by an accident where there is physical contact with the uninsured motorist's vehicle. Coverage provisions include a requirement that either the uninsured motorist be identified, or that the uninsured vehicle be identified by its license number. In addition, the accident report must be made available to us within 10 business days following the loss. The coverage is limited to the lesser of: (1) the amount necessary to repair your car, (2) the actual cash value of your car, minus the value of the salvage, or (3) $3,500.
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Am I covered for rental car expenses if my car is inoperable?
Only if you have rental car reimbursement coverage added to your policy.
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What is the difference between collision and comprehensive coverage?
Collision covers physical damage resulting from accidents with another vehicle or a fixed object. Comprehensive covers losses other than collision, subject to policy exclusions.
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