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Auto Insurance

from Onstad's Insurance Agency

San Ramon Auto Insurance

Each state has its own laws regarding auto insurance requirements, though they all require coverage to allow you to maintain your driver's license. If you financed your vehicle, your lender might impose higher limit requirements that are a condition of your loan. While the specific policy limits and coverage options vary, most policies share similar components. 

Bodily Injury Liability 

If you are involved in an accident that injures another person, this coverage may apply to their medical expenses and other associated costs. It protects you from having to pay for these out of your own pocket, which could be incredibly expensive. This coverage component is typically required, though the minimum coverage varies from state to state. 

Property Damage Liability 

This aspect of auto insurance coverage applies to any damage your vehicle causes to other drivers' vehicles, as well as physical property such as buildings, road signs, lampposts, fences, and the like. It does not apply to any damage to your own car or truck, as this falls under collision coverage. Like bodily injury liability coverage, property damage liability coverage is generally required, though in varying amounts across state lines. 

Uninsured and Underinsured Motorist Coverage 

Some states require this coverage, while others make it optional, so be sure to refer to your state's specific laws to better understand what you need. Even if you are not required to have this coverage, it is smart to get one. It will protect you if the other driver in an accident does not have coverage or has a policy limit that is too low to cover the damage to your vehicle or your medical expenses. 

Comprehensive Insurance (Other Than Collision)

Comprehensive insurance covers your vehicle in case of damage or theft. This coverage is typically optional and can be used to repair any damage to your own vehicle after an accident. Although this type of coverage isn’t generally required by law, your lender will likely require it until your auto loan is paid off. After that, it's up to you whether to maintain this added protection.

Learn More About Your Coverage Options 

We'll be happy to assist with all your auto insurance needs, so feel free to reach out to us at any time at 925-866-1444. We'll tailor a policy that will meet your needs and those of your state or auto loan provider.