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Why is Minimum Insurance Coverage is Necessary in San Jose?


The most important thing you should know when you’re about to purchase a car insurance in San Jose city is the minimum coverage requirements. The minimal amount coverage has the following format: 15/30/5. This means that you car insurance will cover $15,000 expenses for one person’s injuries, $30,000 if there are two or more persons injured in the car accident, and $5,000 for property damages. All these amounts will be paid in order to cover the expenses for the non-guilty part. But these are only the minimal requirements in San Jose city.

If you would like to have your car covered too and your medical costs paid through your car insurance company, you will need to pay for additional coverage types. This actually means that you have to purchase one of the following insurances: the collision insurance, which will cover damage to your vehicle; the comprehensive coverage, which will pay for the damage of your vehicle caused by any other factors but traffic collisions; the uninsured or underinsured coverage, which will cover your medical or repair cost if you are hit by a driver who does not have a proper protection.

It is up to you to decide which coverage type suits you the most. Remember that it is highly recommended that you read and understand all your policy’s terms and provisions to be aware of all policy driver restrictions. If you chose to purchase only the minimum coverage liability, you should know that you do not have the right to sue the faulty-part of an accident. Similarly, if you are the faulty-part in a traffic collision the non-guilty part cannot sue you.

After purchasing your car insurance in San Jose, make sure that you know all the appropriate rules. For example, you should always have your policy with you because you will need to present it for the following situations: when your car get inspected, when you register your car or you just simply renew its registration, when you have a traffic collision, when you are asked for it by a law enforcement office even it just routine control. You can prove that your car is insured thorough an insurance card that your carrier will provide you after signing the policy. The insurance card contains information related to all covered vehicles and the policy number and expiration date. If you do not have your insurance card to present whenever needed, you can also use the effective policy or a temporary binder.

To see which coverage type suits you the most and affordable for you, enter your San Jose zip code here. After completing a few small steps needed in order to help you to underline all factors which might bring you a discount, you will receive the best car insurance quotes in San Jose city. It is quick and free. Try it now and purchase a high quality policy at the lowest possible rate.