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As with most states, {California state car insurance} law requires all motorists to carry 3 fundamental liability components.

Bodily Injury Liability (BIL) of $ 15,000 per person injured

Total Bodily Injury Liability (Total BIL) of $ 30,000 per accident

Property Damage Liability (PDL) of $ 15,000 per accident

The insurance industry refers to this as 15/30/15.

However, to rely solely on this amount of coverage, would be foolish. Multi-car accidents and ambulance chasing lawyers commonly drive the cost of an auto accident to several hundred thousand dollars. If you are at fault and you have gone with the minimums, you personally, must cover the shortfall. Now you must re-mortgage your house, forfeit your savings & probably even more…sound good?

Based on experience, I recommend a bare minimum of 100/300/100 and more if you’re on the road often…particularly in the numerous elite communities of Southern California. Spending a few extra dollars here is money well spent.

So far, only liability coverage has been discussed…and that does not apply to damages to your vehicle or injuries to you. The rest of what we will talk about is not required by California statute.

First, let’s look after you. Personal Injury Protection (PIP) provides injury, death and disability coverage for you & your passengers. I recommend PIP coverage of no less than $ 100,000.

Next, your vehicle. To most people, having both collision and comprehensive insurance is known as full coverage.

There are two purposes of collision insurance; to cover the cost of damages to your vehicle or, if your car is a total write-off, to provide a cash settlement. You must pay for a predetermined deductible, & the insurer pays for the rest.

Comprehensive covers your car for theft and vandalism and damages caused by fire, animal impact and acts of God.

Another vital coverage is protection against uninsured drivers. The accident is not your fault, but the guilty party can’t pay. Your uninsured driver coverage kicks in here.

{Auto insurance in Southern California} proposes “Pay-Per-Mile”.

CA’s Insurance Commissioners have tabled a plan allowing insurance companies to charge based on actual miles driven. Just like buying prepaid minutes for your cell phone…you would pay in advance for a specified number of miles to be traveled in a fixed period of time. A device installed in the automobile will allow the insurance company to monitor a car’s mileage and charge appropriately.

Consumer advocacy groups are supporting the proposal because paying for miles actually driven (instead of an insurance company’s estimate) should provide savings to low mileage drivers.

And maybe more importantly, the plan will act as an incentive for drivers to stay off the pavement. Environmentalists say this type of {auto insurance in La Mesa and other California cities} will encourage motorists to drive less…meaning lower fuel consumption, reduced pollution & less road congestion.

The plan looks like an all around winner to me.

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