Obtaining Car Insurance Orange County Before You Register Your Vehicle
If you are in the process of relocating to Orange County
, it is important to research car insurance Orange County financial responsibility laws to ensure you satisfy state requirements. Many drivers are not aware that each state in the nation has different coverage requirements and limits concerning automobile insurance. If you are visiting another state for a limited period of time, your liability coverage will automatically increase to the minimums of that state if you are not carrying adequate coverage limits. While this does occurs for traveling between states, when you relocate to the state of California and are registering your vehicle for California plates, you must carry the limits required in the state. Understand what is required and optional in Orange County to obtain quotes with satisfactory coverage.Liability
The only required coverage in the state of California is Liability Coverage. This coverage is required in every state in the nation with varying minimum limits. While some states require higher limits than others, California has one of the lowest liability limit requirements in the nation. While carrying the minimum limits stipulated by the state will satisfy the DMV and law enforcement, you must consider your budget and bind a policy that offers adequate protection for your assets.
The liability section of a car insurance Orange County consists of both Bodily Injury and Property Damage. Bodily Injury is designed to pay for injuries to a third party caused by an auto accident if you are deemed at fault for the injuries. The state of California requires drivers to continuously carry no less than $15,000 per person and $30,000 per accident in Bodily Injury coverage. Property Damage coverage will pay to repair or replace a third party vehicle or vehicles in the event you are deemed at fault for the accident. The state of California requires drivers to carry no less that $5000 per accident in Property Damage coverage.
Obviously, the required limits of liability in the state of California are very low and are not designed to pay for injuries and damages resulting from a serious accident. To prevent a civil lawsuit and losing your home and your assets, it is important to quote higher limits and bind coverage that is affordable and adequate. While binding these minimum requirements may satisfy state financial responsibility laws, these minimums will not provide you the peace of mind you need when driving on local Orange County roadways.
There are several reputable insurance providers serving the Orange County area. Obtain quotes from several different insurers and compare premiums and coverage limits to find the best policy at the lowest cost. Once you have bound your insurance, you will be prepared to register your vehicle in California.
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