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California Auto Insurance Terminology

California Auto Insurance Terminology

Have you ever been confused about insurance lingo used on your California auto insurance papers? Acronyms, terms and “big” fancy words can sometimes be intimidating…but our job is to make your insurance understandable and comprehensive so you understand your coverage and insurance limits.  

Our California auto insurance words for today are:

Liability Insurance – This is a required type of insurance by most states that covers the cost of any damage you do to other people or things with your car. It does not however cover injuries to you or other people on your insurance policy. Liability insurance is commonly broken down into three numbers, 50/200/25 which break down to the amounts paid out by your insurance carrier in case of a claim

Collision and Comprehensive Insurance – As the name speaks, this insurance covers damage to your car when it hits another vehicle or object. This form of coverage can also cover: floods, fire, theft, alien invasion and more. This is very necessary for newer cars that are still being paid off in a lease or purchase agreement

Personal Injury Protection – Sometimes referred to at PIP, this insurance is also called the “no-fault” insurance and is required in certain states across the USA. It can cover medical costs in case of injury and well as loss or wages if you are not able to return to work. Some policies even cover passengers and pedestrians involved.

Uninsured Motorist Insurance – This title truly speaks for itself…this type of insurance covers you and the passengers in your vehicle in case of an accident caused by a driver who does not have insurance. This coverage also covers hit-and-run accidents.

We hope these insurance terms helped you to better understand your coverage today! Our agents here at Remland Insurance would be happy to review your California auto insurance anytime you feel the need! Give our office a call today to make sure you are properly covered driving around on these busy streets. Remland Insurance is located in Old Towne Orange at 636 E. Chapman Ave. Orange, CA 92866 – 714)532-3341



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