California has almost 400,000 miles of roads. If you love to drive and see the scenic coastline, you can certainly get your fill in the Golden State. Before you hit the road, you must have the right auto insurance to make sure you are protected. At Wine Valley Insurance Services in Napa, CA, we have been providing service to residents for more than nine years and our team has a decade of experience. Our duty to our customers is to make sure you have the right coverage for you and your vehicle.
California requires drivers to show financial responsibility in the event of an accident. Most choose to do that with auto insurance. In California, basic auto insurance is pretty basic. The mandate is 15/30/5. What that means is if you have an accident and are responsible, your insurance will pay $15,000 for injuries to the first person with a total for the entire accident of $30,000. Since an emergency room visit can cost upwards of $10.000, you can see how inadequate that amount is. The property damage coverage is $5,000. With the average cost of a car $38,000, you can see this could leave you paying for thousands of dollars out of pocket.
Additionally, basic coverage does not take your car into account. If you need your car to get to work or just to run errands you will be left to pay for any repairs by yourself. Most people are not financially equipped to pay thousands of dollars of auto repairs. If you have collision insurance it will pay for the repair minus a deductible. For other damage, comprehensive coverage can be a lifesaver. If you need a car, basic insurance just isn’t enough.
When you are looking for auto insurance, Wine Valley Insurance Services in Napa, CA is here for you, at our office or on the phone.