California Auto Insurance
The value of good auto insurance often doesn't become
apparent until you really need it. Whether it's a minor
fender bender or a more substantial accident, it pays to
have auto insurance coverage you can count on.
Let one of our experienced California auto insurance
policy specialists explain the different Liability limits,
Comprehensive, Collision, Personal Injury Protection,
Uninsured Motorist, Medical coverages, and deductibles
that are available for you to choose from. We offer lower
cost auto insurance policies from leading insurance
carriers serving northern California.
Learn more about California Auto Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for an El
Dorado County California Auto Insurance policy that will provide excellent
car insurance coverage at an affordable cost. Or you can speak with our
California Auto Insurance specialist at (530) 864-5859 to discuss the
features.
We are a Placerville, CA insurance agency offering affordable California auto
insurance policy coverage in the following towns, cities and counties in northern
California: Diamond Springs, Camino, Smithflat, Coloma, Somerset, Outingdale,
Omo Ranch, Pacific House, Pollock Pines, Grizzly Flats, River Pines, Kelsey,
Garden Valley, Cameron Park, Shingle Springs, Plymouth, Dorado Hills, Rescue,
Lotus, Pilot Hill, Hidden Valley, Cool, Georgetown, Greenwood, Auburn, Loomis,
Penryn, Newcastle, Bowman, Clipper Gap, Applegate, Foresthill, Weimar, Colfax,
Iowa Hill, Gold Run, Baxter, Dutch Flat, Vista, Meadow, Kyburz, Twin Bridges,
Fiddletown, Volcano, Pine Grove, Pioneer, Kit Carson, Sutter Creek, Ione, Amador
City, West Point, Wilseyville, Camp Connell, Jackson, Sacramento, Dorado,
Folsom, Orangevale, Citrus Heights, Fair Oaks, Carmichael, Rancho Cordova,
Roseville, Rocklin, Arcade, North Highlands, West Sacramento, Rosemont,
Davis, Woodland, Placer County, Amador County, Sacramento County, Yuba
County, Calaveras County, Alpine County, and El Dorado County, CA. We also
offer cheaper California auto insurance policy coverage rates throughout the
Golden state, including in San Francisco, Oakland, Stockton, and San Jose, CA.
Covers damage caused to the owners auto from a collision caused by another auto or
other object. The deductible is the amount you choose to pay upfront (if any) before the
auto insurance policy pays. The higher the deductible chosen the lower the collision
coverage cost within the California auto insurance policy.
Covers damage caused to the insured's auto (your automobile) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before
the auto insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the California auto insurance policy.
California Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. The minimum liability insurance coverage available for
purchase in California is 15/30 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the California minimums listed below. Contact us at (530) 864-5859 to
discuss what liability coverage amounts you require to meet your family and
personal needs.
California Liability Coverage limits explanation:
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
California Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in California is $5,000.
Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding in or driving your car or truck.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a car
when you are walking or if you are riding in another car or truck. This coverage
will pay for your medical and funeral expenses even if you cause the accident.
The coverage is often limited to medical care you get in the first one, two, or
three years after the accident and is limited to a specific dollar amount. This is
not a required California Auto Insurance coverage.
California does not require "No Fault" insurance coverage. This coverage pays
medical bills for injuries suffered in an auto accident regardless of who caused the
accident.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches,
slings, neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto liability insurance. This coverage is not required in a
California Auto Insurance policy. Contact us to discuss what uninsured coverage
amounts you require to meet your family and personal needs.
Example of uninsured motorist limits:
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused
by a driver who has insufficient auto or motorcycle insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required
California auto insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage limit.
This is not a required coverage in California.
California Auto Insurance FAQ
Click on the link below to fill out a secure quote request form for a northern
California Auto Insurance policy that will provide excellent auto insurance coverage
at an affordable cost. Or you can speak with our California Auto Insurance agent
specialist at (530) 864-5859 to discuss the features.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
California Auto Insurance FAQ
California Auto Insurance FAQ
California Auto Insurance FAQ
California Auto Insurance FAQ
California Auto Insurance FAQ
California Auto Insurance FAQ
Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A
disproportionate number of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send
your teenager's auto insurance rates sky high. Require that they take a drivers
education class at their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's
auto insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will
decrease as they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide.
California Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because
of a covered event.
California Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This
policy is often combined with auto towing coverage and called Roadside Emergency
Towing Insurance. Changing a flat tire on the roadside may also be covered, but you
will need to pay for repairs received at the garage or other repair location.
California Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window
on your car is required.
California Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by
the insurance agent? Learn about the different important sections in every auto
insurance policy below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your
policy, it will have been prepared especially for you. It will list the specific auto
insurance coverages and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage
you've purchased is described in detail and also outlines exactly who is covered
under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining
a police report, and filing a claim. Information on auto insurance policy
cancellation will be outlined here, too.
Click on the link below to fill out a secure quote request form for an El Dorado
County California Auto Insurance policy that will provide excellent auto insurance
coverage at an affordable cost. Or you can speak with our California Auto
Insurance agent specialist at (530) 864-5859 to discuss the features.
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Auto Insurance
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Didriksen
Financial
California Auto Insurance
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Didriksen Financial
2311 Swallow Road
Placerville, California 95667
El Dorado County, CA
Office: (530) 864-5859
Fax: (866) 848-6899
Didriksen Financial
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