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In California, automobile insurance usually provides the following protection. This is listed for illustration only and does not represent the actual terms and conditions of the policy.
- Bodily Injury and Property Damage Liability - Pays on behalf of the insured the damages that he/she is liable to others for bodily injury and/or property damage through the use and maintenance of insured vehicle(s). The limits can be per person, per accident, or one single limit for all.
- Medical Payment - Reimburse the insured and passengers for medical expenses incurred in an automobile accident. The limit is per person.
- Uninsured Motorist Bodily Injury - Reimburse the insured(s) for damages as if the at fault opposite party is insured.
- Uninsured Motorist Property Damage - Waives the collision deductible, or in the absence of Collision coverage, pays the actual damages to the insured vehicle(s) not to exceed $3,500; when the insured vehicle is damaged by an at-fault uninsured motorist.
- Comprehensive - Physical damage to the insured vehicle(s) other than Collision. The settlement is at the actual cost to repair or replace, not to exceed the actual market value of the vehicle.
- Collision - Physical damage to the insured vehicle by collision with other vehicles or objects. The settlement is at actual cost to repair or replace, not to exceed the actual market value of the vehicle.
- Rental Reimbursement - Pays for the rental cost of a substitute vehicle when the insured vehicle is being repaired due to an insured incident.
- Towing and Labor - Pays for the towing of the insured vehicle irrespective of the cause of breakdown.