Personal Auto Insurance

Protection for you, your vehicle, and the road ahead.

Your vehicle is an important part of everyday life. Personal auto insurance can help protect you financially if you're involved in an accident, your vehicle is damaged, or you're responsible for injuries or property damage to others.

At VeritasPoint Insurance Services, we help you understand your coverage options and choose protection based on your vehicle, driving habits, household, and budget.

Support available in English and Vietnamese.


What Does Personal Auto Insurance Cover?

A personal auto policy can include several types of coverage designed to protect you, your passengers, your vehicle, and others.

Liability Coverage

Liability coverage helps pay for injuries or property damage you cause to another person when you are responsible for an accident.

It generally includes:

Bodily Injury Liability

Helps pay for injuries or death you cause to another person in an accident for which you are responsible.

Property Damage Liability

Helps pay for damage you cause to another person's vehicle or property.

California requires drivers to maintain financial responsibility. Most drivers satisfy this requirement by carrying auto liability insurance.

California Minimum Liability Limits

For standard auto policies issued or renewed in California beginning January 1, 2025, the minimum liability limits are generally:

$30,000 — bodily injury/death to one person

$60,000 — bodily injury/death to two or more people

$15,000 — property damage

These are legal minimums, not necessarily the amount of coverage that is appropriate for every driver.


Collision Coverage

Collision coverage helps pay for damage to your vehicle caused by a collision with:

Collision coverage generally has a deductible, which is the amount you pay before the insurance company pays the covered loss.


Comprehensive Coverage

Comprehensive coverage helps protect your vehicle from certain losses that are not caused by a collision.

Examples may include:

Comprehensive coverage generally has a deductible. It does not normally cover mechanical breakdown, normal wear and tear, or routine maintenance.


Uninsured & Underinsured Motorist Coverage

Not every driver on the road has enough insurance.

Uninsured/Underinsured Motorist coverage can help protect you when you're involved in an accident caused by a driver who:

California insurers generally must offer this coverage when you purchase liability insurance, although you can choose to reject it by signing the appropriate waiver.


Medical Payments Coverage

Medical Payments coverage may help pay certain medical expenses for you or your passengers after an auto accident, regardless of who was at fault, subject to the policy terms and limits.

This coverage can help with eligible immediate medical expenses resulting from an accident.


Rental Reimbursement

If your vehicle is damaged in a covered accident and is being repaired, rental reimbursement coverage may help pay for a rental vehicle, subject to the policy's limits and conditions.

This coverage is optional.


Towing & Roadside Assistance

Roadside assistance may help with certain services such as:

Availability and limits vary by insurance company and policy.


What About a Car Loan or Lease?

If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverage.

If your vehicle is totaled, your insurance generally pays based on the vehicle's covered value, subject to the policy terms and deductible.

If you owe more on the loan or lease than the vehicle is worth, GAP coverage may help cover the difference when applicable. GAP coverage is separate from your regular auto policy and may be available through certain insurers, lenders, or other providers.


Who Needs Personal Auto Insurance?

Personal auto insurance may be appropriate for people who use their vehicles primarily for personal purposes, such as:

If a vehicle is used primarily for business purposes, commercial auto insurance may be more appropriate.

We'll help you determine which type of coverage may fit your situation.


What Can Affect Your Auto Insurance Premium?

Insurance companies may consider many factors when determining eligibility and premium, including:

The information required during an application can include the vehicles and drivers in your household, driving history, vehicle use, mileage, and whether the vehicle is financed or leased.


Coverage That May Be Available

Depending on the insurance company and policy, additional options may include:

Liability

Protection when you are responsible for injuries or property damage to others.

Collision

Protection for covered collision damage to your vehicle.

Comprehensive

Protection for certain non-collision losses.

Uninsured / Underinsured Motorist

Protection when an at-fault driver has no insurance or insufficient coverage.

Medical Payments

Coverage for certain medical expenses after an accident.

Rental Reimbursement

Help with transportation while your vehicle is being repaired after a covered loss.

Roadside Assistance

Help with eligible roadside emergencies.


Choosing the Right Coverage

California's minimum liability requirements provide the basic legal level of financial responsibility, but minimum coverage may not provide enough protection for everyone.

When reviewing your policy, we can discuss:

Our goal is to help you understand what you're buying and why you may need it.


How We Help

At VeritasPoint Insurance Services, we take the time to understand your situation before discussing coverage options.

We can help you review:

Your Vehicle → Your Drivers → Your Coverage → Your Budget

We can help you understand your options and request quotes from available insurance markets.

Personalized support is available in English and Vietnamese.


Ready for an Auto Insurance Review?

Whether you're:

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