Auto Coverage Types

Coverages are various financial protections for you, your car, and others in the event of an accident or loss where you could be considered responsible. Even though it may not be your fault, the fact that you own the car may make you responsible.

Of course, the more protection you buy means that the price will be higher. Conversely, the less protection you buy means that the price will be lower. The amount of insurance protection you buy is up to you. You should consider what you have to lose if you don't have enough insurance protection when someone points the finger of responsibility at you. The following are brief explanations of the most common auto insurance coverages:

BODILY INJURY LIABILITY (BI)
This coverage protects you if you are involved in an accident and you caused bodily injury to others. It also provides you with a legal defense in case someone sues you because of the accident. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY IN CALIFORNIA.

PROPERTY DAMAGE LIABILITY (PD)
This coverage protects you if you are involved in an accident and you cause damage to someone else's property. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY IN CALIFORNIA.

UNINSURED MOTORISTS BODILY INJURY (UM or UMBI)
This coverage pays you and other passengers in your car for injuries you may receive or damage to your vehicle caused by an uninsured driver. THIS COVERAGE IS NOT REQUIRED TO DRIVE LEGALLY IN CALIFORNIA BUT IS STRONGLY RECOMMENDED.

MEDICAL PAYMENTS (MED or MED PAY)
This coverage pays medical expenses from an accident for you and your passengers, regardless of fault. This coverage can be in excess of any other health insurance coverage you may have. However, it will pay your health coverage deductible and other non-covered expenses from an accident.

COMPREHENSIVE (COMP)
This coverage pays for damages to your vehicle caused by something other than a collision, such as fire, theft, vandalism, or windstorm. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.

COLLISION
This coverage pays for damages to your vehicle, regardless of fault, when you hit another car or object. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.

TOWING
This coverage helps offset the cost of towing your vehicle. It usually allows coverage up to a predetermined amount for each towing incident.

RENTAL CAR REIMBURSEMENT
This coverage helps offset the cost of renting a car while your car is being repaired because of a collision. It usually pays a predetermined daily amount for a certain number of days.

California High Risk Car Insurance

Freeway Insurance has been selling California High Risk Car Insurance for close to 20 years. Freeway has many programs for California High Risk Car Insurance. Some people drive without car insurance because they think it’s too expensive due to their driving record or worse their insurance company cancels them. At Freeway Insurance we get you the best rates. We work for YOU.

California High Risk car insurance is for drivers who have too many tickets. If you’ve had two or three accidents in the last 3 years, you would be considered a High Risk driver. A person with 1 or more Drunk Driving convictions would be considered a California High Risk Car Insurance Driver. Drivers under the age of 18 years old are considered High Risk Drivers and would need to purchase California High Risk Car Insurance. If you’ve had your license suspended you could be considered a High Risk Driver and need to purchase California High Risk Car Insurance. Owners of High Performance cars with one ticket could be considered California high-risk driver.

California High Risk Car Insurance can be purchased with Liability only, Liability with UM or Full coverage. Full coverage California High Risk Car Insurance can have deductibles of as high as a $1000 or as low as a $100.

California High Risk Drivers can be insured with Freeway. Freeway has many programs for California High Risk Drivers. The California High Risk Car Insurance programs through Freeway can be paid in full or on a monthly payment basis. We can insure you through the Internet or at one our many office locations. Buying California High Risk car insurance is fast and easy with Freeway.

So don’t let your driving record keep you from getting car insurance.

Contact Freeway Insurance and ask about the California High Risk Car Insurance programs and start saving money today.

Remember Freeway it’s that thing you’re speeding on!