If you drive a car, you have to have car insurance, so let’s talk basics. We want you to understand car insurance and what your buying, So, why do you need car insurance? Well, it’s illegal to drive a car without it. Second, if you do cause an accident, you could be sued for everything you do or don’t have and go bankrupt.

How To Protect Yourself Financially From Damage You Could Cause To Others

When you are driving your car, it is possible that you could run into another vehicle, damage their car, and hurt the driver or their passengers. To be covered for this you will need Bodily Injury Liability and Property Damage Liability. These are required in the state of California. The minimum requirements to carry are $15,000 per person, $30,000 per accident, and $5000 of property damage per accident. These limits are very low and we do recommend having a higher limit, especially if you have some assets that you could lose. If you need more coverage than $500,000 liability, then you will need an umbrella policy to cover you over your policy limits.

• Bodily Injury Liability: This covers you in case you hurt someone in a car accident, up to your policy limits. Required to have in California.
• Property Damage Liability: This covers you if you damage someone else’s property in a car accident, up to your policy limits. Required to have in California.

How To Protect You & Your Passengers

• Medical Payments: Covers medical payments for you and your passengers, up to your policy limit, This is a per person limit. Optional coverage starts at $1,000 coverage limit per person.
• Uninsured Motorists Bodily Injury: Covers you when the other driver who injured you and your party does not have enough insurance or does not have insurance, up to your policy limit. These limits are usually the same as your limits for bodily injury liability. Required to have in California.

How To Protect Your Vehicle

• Collision: Covers damage done to your vehicle when impacted with another object, up to your policy limits. This excludes animals. Optional coverage, it really depends on how much your car is worth.
• Comprehensive: Covers damages done to your vehicle other than a collision, up to your policy limits. Wind, hail, theft, etc. Optional coverage, it really depends on how much your car is worth.
• Uninsured Motorists Property Damage: Covers you when the other driver who damaged your vehicle does not have enough insurance or does not have insurance, up to your policy limits. These limits are usually the same as your property damage liability. Required to have in California.
• Towing: Provides emergency roadside assistance.
• Rental Reimbursement: Covers you when your car is in the shop getting fixed. There is a daily/monthly limit for this coverage.

Choose Unity One For Car Insurance

Any questions you might have, please give us a call at 949-450-1822 or email info@unity1.com. Unity One Insurance has car insurance discounts for:

• Drivers Over 50
• Young Drivers
• Teen Drivers
• DUI
• SR-22
• Bundle Discounts when you purchase a homeowners or umbrella policy with it

A family-owned business for over 21 years, we are an insurance brokerage that you can trust. You do the saving and we will do the shopping!