Best Local Car Insurance Agencies in Salinas, CA

Salinas, CA Car Insurance Agency FAQs

• Is it required to obtain full coverage auto insurance in Salinas?

  No, full coverage auto insurance is not required in Salinas. However, there are some situations where having this coverage may be advantageous. Full coverage may help to protect your investment if you drive a new or leased car, as well as if you own an expensive or luxury vehicle. Additionally, having comprehensive coverage can assist you in the event of an accident if you live in an area with hazardous driving conditions, such as one with a high crime rate or bad weather.

• What happens if a borrower drives your automobile in Salinas without your consent and is involved in an accident?

  If someone steals your car in Salinas without your permission and causes an accident, they are liable for their injuries. If the borrower does not have insurance, you may need to file a claim to help them pay for property losses. Similarly, if a burglar steals your car and causes an accident, you will almost certainly not be held liable for any damage to other vehicles. However, in order to receive payment for your car's repairs, you may need to file a claim.

• Does Salinas car insurance cover harm suffered when a car collides with a curb?

  Yes, if your Salinas car insurance policy includes collision coverage, it should help to cover any damage to your vehicle caused by hitting a curb. Collision insurance covers damage to your car caused by another vehicle, regardless of who caused the accident. If the curb is damaged as well, your liability insurance may cover the necessary repairs if you are at fault.

• Is rim damage covered by your car insurance in Salinas?

  Yes, the collision coverage on your Salinas car insurance will cover the cost of repairing or replacing a damaged rim if the damage was caused by a collision with a curb. Your insurance, however, will not cover any of the damage if the cost of repair is less than your deductible. If you have customized rims, you must purchase additional coverage, such as custom parts and equipment coverage, to ensure that the entire value of the rims is covered.

• Do parking tickets increase the cost of your Salinas auto insurance?

  No, your Salinas car insurance rate is unlikely to rise as a result of a parking violation. Typically, these tickets are not reported to your state's DMV, recorded on your driver's license, or reported to your car insurance company. If you do not pay these types of fines within the time frame specified, it may have an effect on your credit-based insurance score and raise the cost of your insurance.