California auto liability insurance is compulsory based on the laws, requiring every car owners to maintain a liability insurance as a condition of licensing or use on public roadways. The same with California motorcycle insurance for motorcycle owners. Car or motorcycle insurance in California usually covers a number of coverage in one complete package: property, liability, and medical coverage.

• Property coverage pays for damage to or theft of your automobile or motorcycle
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage
• Medical coverage pays for the cost of bodily injury, rehabilitation and funeral expenses

In California, the common car insurance policy is the personal automobile policy (PAP). The PAP is designed primarily for private passenger cars, but protection can be extended to cover motorcycle and other types of auto. If offers the following coverage:

• Car or motorcycle owner protection against losses from legal liability arising from personal bodily injury or property damage caused by an automobile accident
• Medical or funeral payment coverage due to body injury
• Physical damage coverage due to collision incidents and non-collision incidents, such as theft, fire or storm damage
• Uninsured car or motorcycle motorist coverage for injuries sustained in a car or motorcycle accident with an uninsured (or a hit-and-run) driver
• Underinsured car or motorcycle motorist insurance policy covers the difference between actual losses sustained, and what an insured individual can collect from an at-fault uninsured or underinsured driver, up to policy limits

Aside from the ones discussed, additional insurance coverage can also be included to a basic insurance policy. You can extend the liability to cover non-owned car or motorcycle which standard policy in California would otherwise exclude. You can also insure auto such as snowmobile, motor scooters, golf carts, antique and classic cars, where a separate policy can be purchased to cover these vehicles.

It's really all about protecting yourself financially.

• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it
• If you or any passengers are injured in an accident, medical cost can be extremely expensive
• Not only is having a car insurance a prudent financial decision, many states requires you to have at least liability coverage
• If you or your automobile is responsible for damage or injury to others, you may be sued for much more.

An auto insurance policy is comprised of six different kinds of coverage. Most states requires an individual to buy a liability coverage, but not all, of these coverage. If you're financing a car, your lender may also have requirements.

Most car insurance are for six months or a year coverage. Your insurance should notify the insured by mail when it's time to renew the policy and to pay the premium.

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