{"id":100,"date":"2021-08-16T00:00:00","date_gmt":"2021-08-16T06:00:00","guid":{"rendered":"https:\/\/www.voiinsurance.com\/blog\/?p=100"},"modified":"2021-07-30T10:40:19","modified_gmt":"2021-07-30T16:40:19","slug":"is-state-required-auto-insurance-sufficient","status":"publish","type":"post","link":"https:\/\/www.voiinsurance.com\/blog\/is-state-required-auto-insurance-sufficient\/","title":{"rendered":"Is State-required Auto Insurance Sufficient?"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">With disposable income stretching thin, it&#8217;s not uncommon for you to stick to the state-required auto insurance. But is it enough? Does it protect you optimally if a peril were to strike today? If similar questions are running through your mind, keep reading as Voi Insurance Solutions LLC of Glendale, CA elaborates whether state auto insurance is adequate.&nbsp;&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Required auto insurance in California<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">To establish whether state-auto insurance is adequate, let&#8217;s find out what auto insurance you need in California. Below are the requirements for California auto insurance:&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Bodily injury liability with a minimum of $15,000\/person and $30,000\/accident<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Property damage liability with a minimum of $5,000<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Uninsured motorist coverage &mdash; although you can reject this in writing<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">While the above is what is required by the state, at Voi Insurance Solutions LLC, we recommend you to consider other auto insurance coverages. Why? The above state minimums are just minimums. They have limited coverage limits, and they protect other people but not you and your vehicle.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Optional auto insurance coverages to consider<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Besides advising our clients to increase their liability coverages&#8217; limits, we recommend motorists to consider the following optional auto insurance coverages.<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Collision coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;This policy repairs your car when involved in an accident with other vehicles or stationary objects.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Comprehensive coverages:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;It covers your vehicle against non-collision risks like theft, fire, vandalism, and certain natural disasters.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Roadside assistance:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;When you purchase this coverage, you get access to services like towing, gas delivery, and puncture repair when your car stalls away from your home.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Medical payments \/ personal injury protection (PIP) coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Following an auto accident, you or your passengers will likely sustain injuries. Without a health insurance plan, you will have to pay for your medical costs from your pocket. Thankfully, auto insurance takes care of hospitalization, surgery, X-rays, and other accident-related expenses.<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Are you shopping or renewing your auto insurance policy in Glendale, CA, and its environs? Don&#8217;t hesitate to get in touch with Voi Insurance Solutions LLC for a competitive quote.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With disposable income stretching thin, it&#8217;s not uncommon for you to stick to the state-required auto insurance. But is it enough? Does it protect you optimally if a peril were to strike today? If similar questions are running through your mind, keep reading as Voi Insurance Solutions LLC of Glendale, CA elaborates whether state auto [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2,3],"class_list":["post-100","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-glendale-ca","tag-voi-insurance-solutions-llc"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/100","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=100"}],"version-history":[{"count":1,"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/100\/revisions"}],"predecessor-version":[{"id":101,"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/100\/revisions\/101"}],"wp:attachment":[{"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=100"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=100"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.voiinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}