Auto Insurance Auto Accidents

Auto Insurance

Once you buy a car, you will have to think of ways to protect your investment. One of the best ways to do this is to purchase an insurance policy to protect you and your car in case of an accident. Since California state laws require that you have auto insurance to drive, Hathaway Insurance Services helps you to access reliable car insurance.

Bare minimum car insurance requirements

It is a legal requirement that all drivers have the necessary coverage to help them pay for costs related to damages and injuries that occur as a result of an accident.

Bodily injury liability insurance

This type of coverage is meant to pay anyone you injure with your car. In case one person is injured or dies as a result of a car accident, the minimum limit is $15,000. If several people die or sustain injuries, the minimum limit will be $30,000.

Property damage liability insurance

If you cause an accident and someone else’s property gets damaged, as a result, the state requires that the minimum limit be $5,000. This amount goes towards payment for loss or damage to property.

Other coverage available

Besides the ones required by law, there are various types of coverage available to you. You can choose these options to meet your needs.

  • Uninsured/underinsured motorists - This type of policy is optional and will help you cover expenses related to injuries and damage in the event that the driver who caused the accident is either uninsured or underinsured.
  • Comprehensive and collision - If your car gets damaged or is stolen, comprehensive and collision coverage will cover the costs of repairing or replacing your car.
  • Medical payments - In case of an accident, this type of coverage will pay your bills, and those of your passengers provided they are reasonable and necessary.

At Hathaway Insurance Services, we can help you to arrange for all types of insurance policies. If you are interested in home or auto insurance, kindly use our online rating tool to find a quote. For a discussion of other insurance policies, please call or email our offices in California.