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Automotive/Motorcycle Insurance 101 

Standard Auto Insurance


Because of the legal severity of the infraction, drivers arrested for a DUI are often required to carry high-risk insurance. For this reason, many individuals find themselves dropped from their existing coverage. The first step toward getting your license back is to secure the necessary insurance. A broker can help seek out companies willing to extend high-risk insurance and can help find coverage at a price you can afford.

After finding an insurance company, your insurance company will need to file an SR22 with the DMV.

An SR22 (also known as a certificate of insurance) is an insurance document that must be filed with the DMV before a driver considered “high risk” can regain their license. This form certifies that you have found a company willing to extend you insurance coverage.

Liability coverage offers protection for bodily injury or property damage for which the insured driver is deemed responsible. California requires its drivers to carry minimum liability coverage of 15/30/5. This means that the insurance company will pay up to $30,000 for all people injured in an accident, not exceeding $15,000 on any one person and $5,000 for property damage.

Collision coverage covers the cost of repairing your vehicle in the event of any kind of accident, whether it's with another car or an object, such as a utility pole or fire hydrant. Comprehensive insurance covers damage or loss of your vehicle in the event of theft, natural disaster or any other damage to your vehicle not caused by a collision.

Uninsured Motorist Coverage is an auto policy option which covers one for property damage and bodily injury caused by another driver who does not have insurance. In the state of California, you are required to get uninsured motorists information if you are involved in an accident with someone who doesn't have insurance. This is not to be confused with a hit and run.

Rental Car reimbursement pays for a rental car when your vehicle is damaged or stolen. It is also reimbursement for car rental expenses if the primary vehicle on the policy is in the shop due to an accident.


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