Liability State Minimum

Car Liability Only covers the damage you cause to other people, not your own car. It pays for injuries and property damage if you're at fault in an accident. This is the minimum insurance required by California law to drive legally.

SR 22 None Owners Policy

An SR-22 Non-Owner Policy provides the state-required SR-22 filing for drivers who do not own a vehicle but still need to stay licensed and legal. It covers liability when you drive borrowed or rental cars, and is often required after a suspension, DUI, or other violations.

Comprehensive

Comprehensive Coverage Covers your car for non-accident damage like theft, vandalism, fire, broken glass, falling objects, and weather damage.

Collision

Collision Coverage pays to repair or replace your car if you’re in a crash—whether you hit another vehicle, an object, or someone hits you. It protects your vehicle, regardless of who’s at fault.

UMBI – Uninsured Motorist Bodily Injury

UMBI protects you and your passengers if you’re hit by a driver who has no insurance or not enough insurance. It helps pay for medical bills, lost wages, and injuries caused by the uninsured driver. 

UMPD – Uninsured Motorist Property Damage

UMPD helps pay for damage to your car if you’re hit by a driver who has no insurance. In most cases, it covers repairs up to the state-allowed limit.

Medical Coverage

Medical Payments covers you and your passengers’ medical bills after an accident—no matter who was at fault. It helps pay for things like ambulance, hospital visits, and injuries even if you don’t have health insurance.

Rental

Rental Coverage

Rental Coverage helps pay for a rental car while your vehicle is in the shop after a covered accident.