Optional Westwood Insurance Coverages

If you are a resident of the Westwood, California

, you are required to obtain and maintain auto insurance to satisfy California financial responsibility laws. While the state of California only requires that residents of Westwood carry Personal Liability Insurance consisting of Bodily Injury and Property Damage coverage, there are a number of additional coverage that are optional. Satisfying the state laws is important, however, protecting yourself adequately is more so. Review the optional coverage available to you when quoting Westwood insurance and make a decision that is both affordable and adequate. By choosing the right amount of coverage, you will get the peace of mind you need when driving on public roadways.

Medical Payments Coverage

Medical Payments, also referred to as Med Pay, is an optional coverage in the state of California. This coverage is designed to cover injury to you and your passengers that arise from a covered accident. If you carry medical insurance, it is important to consult your insurance company to verify auto accident injuries are covered. Some individual medical insurance policies will exclude chiropractic coverage that may become necessary if you are injured in an accident. While the state does not require drivers to carry this insurance, policyholders will have to sign a rejection form stating they were offered the coverage.

Uninsured Motorist Insurance

Uninsured Motorist coverage is designed to protect the policyholder from uninsured drivers. While the state of California requires residents of Westwood to carry Westwood insurance, not everyone abides by the law. If a party who has no insurance or very low limits that will not cover your injuries injures you, Uninsured Motorist will pay for injuries up to the limits stated on the contract. Uninsured Motorist Property Damage coverage is also available to cover damages to your vehicle up to $3500 if you do not carry collision coverage. UMPD will waive your collision deductible for repairs if you are carrying collision cover.

Accidental Death and Dismemberment

While not all insurers will offer Accidental Death and Dismemberment coverage, a number of large insurers will. This coverage is designed as a supplement life insurance or disability cover for individuals who are permanently disabled or killed in the course of an auto accident. Coverage limits are low; however premiums are also very low.

When you are comparing Westwood Insurance quotes, be sure to review all of your options. Auto insurance plans are easily customizable and can be tailored to cover the risks you want them to. While you may not be able to afford the most comprehensive insurance package available to you, you can customize your policy to provide you with coverage that will protect you and your assets in the event you experience a loss.

by: Barbara Jackson

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