Southern California Auto Insurance – Consumer Info and Insurance Requirements

Do you know the top ten automobiles that are stolen in California? Do you very own one? You have to emerge as aware of which ones are on the list. It is quite possible that it may want to have an effect on your insurance rates if you personal such a vehicle. Below you will discover a report of the ten most stolen cars. Let’s hope yours is now not one of them.

Southern California Auto Insurance Data – California’s Ten Most Stolen Cars

Acura Integra (1990)
Chevrolet 1500 Pickup – C/K Full Size (1992)
Ford Mustang (2000)
Honda Accord (1991)
Honda Civic (1995)
Nissan Sentra (1991)
Saturn SL (1993)
Toyota Camry (1989)
Toyota Corolla (1987)
Toyota Pickup (1988)
In just Los Angeles on my own with a populace consisting of 3,870,487 people, in 2007 there were:
19,629 instances of burglary
58,304 cases of theft
23,524 cars stolen
Something else to maintain in mind is that Los Angeles is additionally recognised for high priced auto insurance compared to different areas throughout the state. The average every year top rate is about $3,000, whilst the nation itself averages barely under $1,800.
Southern California Auto Insurance – Liability Requirements

As with every state, insurance tiers range depending on place however no count what, there are three vital factors of legal responsibility coverage.

1. Bodily Injury Liability or BIL

This is what your insurance enterprise will pay per character injured in a automobile accident when you are at fault. Nationally minimums differ somewhere from $10,000 – $50,000. Note: California’s BIL is $15,000. two

2. Total Bodily Injury Liability or Total BIL

This is the total of what will be paid out for all individuals injured in the auto accident. National minimums are $20,000 – $100,000. Note: The minimum for California’s whole BIL is $30,000.

3. Property Damage Liability or PDL

This insurance covers property injury that was sustained via the automobile accident. Physical injury includes:

Vehicle damage
Non-medical expenses
Telephone poles
Road signal damage, etc.
National minimums go from $5,000 – $25,000. Note: Here the minimal for California’s PDL is $15,000.
Nowadays there are plenty of motors costing $50,000 and up so when an automobile accident does occur, the damage is sizeable. While Southern California auto insurance solely requires a ratio of 15/30/15 do you in reality suppose that it is clever to carry the naked minimum? Absolutely not!

I suggest you pay a few dollars more (it won’t be substantial) to enhance your legal responsibility coverage up to 100/300/100.

In present day environment the place ambulance attorneys file law suits at the drop of a hat, the greater insurance may want to imply the difference between enough coverage and financial ruin. I urge you to now not take it lightly.

Tidbit for thought:

Based on the most latest information available – California ranks seventh on the country’s most uninsured drivers listing at 18%. Break that down and it is 1 in 5 drivers. Not solely does this imply that CA nation liability limits are grossly inadequate, however additionally that you need coverage for uninsured/underinsured motorists.

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