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Coming Up Short With Fontana Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 09/06/2014

The state mandated Fontana car insurance requirements fall short on protection.

Fontana car insurance

More money will be leaving your pocket, unless you have the right amount of Fontana car insurance to protect you.

The basic coverages that are required by the State of California for Fontana car insurance fall short of being adequate protection. The only thing that these required Fontana car insurance coverages protect, is other people that you may cause damage to in a car accident. Even then, these coverages are so minimal that you are still more than likely going to end up having to pay for much of the damage out of your own pocket.

Fontana Car Insurance Requirements

The State of California makes it so that insurance requirements are the same for all drivers that have vehicles registered in the state. This means that Fontana car insurance coverage requirements are the same coverages that are required from Yreka to San Diego. These requirements include:

  1. $5,000 in liability property damage coverage
  2. $15,000 in bodily injury liability coverage per person
  3. $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured.

The Need for Additional Fontana Car Insurance

The Fontana car insurance requirements above don’t come anywhere near the amount of insurance that you actually need if you were to get into a car accident. First, if your own car is damaged in an accident the required Fontana car insurance requirements do not cover your vehicle. This is because the coverage that you are required to have is called liability coverage and it only covers the damage that you do to another person’s vehicle.

Second, the limits for the minimal required coverages are nowhere near what it costs to replace or repair a vehicle or pay for the expenses incurred from an injury.

As an example, the minimum in liability coverage that you have to have to Fontana car insurance is only $5,000. If you total another person’s vehicle you will have to pay for the cash value of their vehicle. How many cars on the road today are worth $5,000 or less?

Total an expensive $40,000 vehicle and you only have $5,000 in coverage? You will be responsible for paying the remaining $35,000 out of your own pocket.

So do yourself a favor and contact your Fontana car insurance agent about purchasing more than the minimum amount of coverage that the State of California requires.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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