As you sit in stand-still traffic on the 405 thinking about the meaning of life, it hits you: “Have I updated my car insurance?” Ah, California—the land of sun, sea, and the tightest road rules a long way north of Tallahassee. At any rate, it’s gotta be done. Can you imagine what would happen in a traffic jam without proper coverage? Visit our homepage!
Indeed, California has rules when it comes to minimum car insurance that are set as tight as a Hollywood agent on Oscar night. Drivers should not let them slip. Through this state’s laws, some of the numbers are guaranteed to give you a jolt. For personal injury/bodily injury (to other people), drivers must carry a minimum of $15,000 coverage per person—quite an awesome sum to have to pay. Multiply that by the number of people injured in an accident and it’s $30,000, just like that. When it comes to property damage? Another $5,000.
Why all the numbers, you ask? An anecdote from a friend we’ll call Dave throws some light. One sad day in the past, Dave’s pride—and-joy, an old VW bus, was driving along. In some terrifying moment, he gets pushed into head-on contact with a Bentley. Ooh, that had to hurt. He licks his ceiling, praying that coverage is good enough. One can hardly stay in the day and call it full. With those numbers written into your policy, one can sleep a bit more restively, wouldn’t you say?
It sounds lush, but it’s far from set in stone. Choices exist beyond the statutory “must have.” Fancy more? “Sure, OK.” Ever hear insurance talk in line at the DMV? Isn’t it sharp? Arms are crossed and voices rise, hashing through Comprehensive Coverage. Like Starbucks, there is a size for everybody. Make it to fit like your favorite pair of jeans.
Trouble again. No it’s not all plain sailing. Juggling coverage and cost feels like law unto itself. Too much? Pockets could scream in protest. Too little? Savings might end up sitting to rust under the wing of oblivion. Finding that apt point is harder than training a cat to do new tricks!
There’s also uninsured motorist coverage. A good idea? I think so. Who can tell that man’s insured? In the end, life is just one big ol’ box of chocolates. That’s like buying a helmet before you ever think of getting on a unicycle—better safe than sorry.
So next time you are stuck forever in California traffic with nothing to do but idle the hours, maybe it ‘s time to give some thought what kind of insurance fits this journey of yours best. What’s comfortable, and doesn’t break the bank? Reflect, and perhaps—mabye perhaps–you might leave here more relaxed with the burden on your mind.