You should purchase auto insurance whenever you buy a new or used car. You should also reconsider your present policy if your family situation changes. Because marital status, number of children, and asset levels may change over time, you should review existing policies at least once each year to ensure you have adequate protection. We also recommend that you purchase a Personal Umbrella Policy to provide you with greater limits of liability, expanded coverage, and additional payment of defense costs.

Why You Need Auto Insurance?

The State of California requires you to be financially responsible when owning or driving a car and requires you to purchase at least a minimum amount of auto liability insurance for bodily injury or property damage to others. While this minimum meets the State's requirements, you should purchase additional coverage structured to:

• Pay your legal liabilities and protect your personal assets,

• Protect your auto investment,

• Pay for passenger medical expenses,

• Cover any additional losses related to owning or driving a car.

Consider the following: if you cause an accident and the other driver suffers damages over and above your insurance limits, your personal assets and future earnings could be severely jeopardized.