Best Local Car Insurance Agencies in Redlands

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Will your auto insurance cover storm damage to your car in Redlands?

  If you own a vehicle in Redlands and purchased only the minimum amount of auto insurance required by the state of California, any damage to your vehicle caused by a storm will not be covered. However, if you purchased supplemental comprehensive insurance from your provider, your vehicle may be protected against weather-related damage.

• Who will pay for your injuries if the at-fault driver in your Redlands auto accident is uninsured?

  You could use your uninsured and underinsured motorist insurance in Redlands to help pay for your medical bills. However, because California is an at-fault state, this type of insurance coverage is not required by law; however, you may obtain it as an add-on to your policy as a precautionary measure.

• Can you get sued if you cause an accident that costs over your liability limit in Redlands?

  Yes, if you cause a car accident in Redlands and the damages exceed your liability limit, the other party can sue you for additional costs. Depending on the severity of the accident, the extent of the damages, and your ability to pay the victim, the accident may deplete your savings and threaten your other assets, including your home.

• What are the penalties you may face for driving without insurance in Redlands?

  If you are caught driving without financial responsibility or auto insurance in Redlands, you could face steep fines and other consequences. On your first offense, you will be fined between $100 and $200, plus penalty assessment fees of $26 per $10 of the base fine. If you are a repeat offender, you will be fined between $200 and $500, plus penalty assessment fees. In addition to dealing with the consequences of a suspended license and registration, some drivers may be required to file an SR-22 certificate.

• What can you do if you cannot afford the usual rates of car insurance in Redlands?

  Check to see if you qualify for the California Low Cost Automobile Insurance program, which began in 1999 and is designed to make insurance more accessible and affordable for California residents who meet the eligibility requirements, regardless of immigration status. To be eligible, you must have a valid California driver's license, own a vehicle worth $25,000 or less, meet income eligibility guidelines, be at least 16 years old, and have a clean driving record.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.