Reliant General Insurance Keeps Cars Moving In California

Located in San Diego, Calif., since it first opened in 1991, Reliant General Insurance helps keep cars on the road in southern California and elsewhere. California, like all states, requires cars to carry at least some level of liability insurance coverage to legally travel down the road. But with a lot of people in California opting to drive with no insurance coverage at all, there are a lot of risks being taken that are not necessary but are downright illegal.

When driving, liability insurance is the least amount needed to stay legal, but it seldom is enough to cover the costs of a truly bad accident. In many states, the legal liability limit can be as low as $15,000 for injuries to a single person and $30,000 in total for injuries to two or more people in a single accident. And with health care costs always rising in the United States, it is really easy to use up the minimum legal liability limit and still have a great deal of financial debt afterward. But going with higher liability limits can help reduce such risks.

As anyone who has financed the purchase of a new or used car, truck, van or other vehicle knows, banks and other lenders demand full coverage insurance to protect their investment as well as the car owner’s investment. Full coverage is comprised of collision and comprehensive insurance plans. Collision insurance protects against damage or destruction caused by striking another object, such as another car or a tree, or a sudden vehicular upset, as might happen when losing traction on an oil slick and driving into a street sign. In such an instance, collision insurance would pay up to policy limits minus any deductible that might apply. Usually, a deductible is anywhere from $250, to $1,000 on a financed vehicle to help keep premiums relatively low.

And comprehensive insurance helps protect against losses caused by other perils, such as vandalism, theft or even flood. Also, if your audio system is stolen or an expensive camera pilfered from inside the vehicle, comprehensive insurance will cover the loss minus any deductible amount. Many drivers also opt for roadside service, towing and other coverages that can come in handy when stranded on the side of the road with a flat tire, dead battery or other problem.

Reliant General Insurance and other firms also can help drivers with bad driving records or who have no prior insurance overage find non standard coverage to keep the driving legally and help them eventually qualify for more affordable standard auto insurance. Sometimes, bad things happen to good people, like getting a once in a lifetime arrest for driving under the influence. Although that does not automatically make someone a bad person or even a bad driver, it does make them a bad risk for car insurance firms, and they will wait until the driver has proven his or her ability to abide by the law and drive safely by using non standard car insurance. By Mike Heuer