Redlands California auto car homeowners insurance coverage protects you for damages you cause to other persons through the use of your automobile. The other persons include both passengers in your car or persons in another vehicle involved in an accident with you. The insurance company promises to pay up to the amount stated in the policy for the other person's medical expenses, lost wages, pain and suffering and other losses.

This is a fault-based coverage, that is, the coverage only applies if you are determined to be more at fault than the person who suffers the injury. If you cause an accident and cannot pay for the damages, your driver's license can be suspended. You are then required to pay the damages and buy Redlands California auto car homeowners insurance before your license is reinstated.

If you buy insurance, the minimum insurance coverage required is $25,000 for the injury or death of one person, $50,000 for injury or death to two or more persons, and $10,000 for property damage. Uninsured motorist coverage is also required at the same limits. Underinsured motorist coverage must be offered to you in the minimum amount of $50,000.

The minimum amount of coverage may not be sufficient to cover damages caused in an accident or to protect your assets. The "right" amount of Redlands California auto car homeowners insurance depends on the level of your personal assets which require protection.

In most cases, you should buy the highest level of coverage you can comfortably afford. Compare premiums for different levels of coverage. Rates for higher levels are not that much greater than lower levels of coverage (the premium for $100,000 of coverage is not double the premium for $50,000). We recommend all persons carry liability insurance coverage at least in the amount of $100,000/$300,000/$50,000.