With such a large population, San Francisco, CA has some of the most congested roads in the country in one of the most populated states in the nation. There are well over 3,000 motor vehicle accident deaths a year in the Golden State and tens of thousands of more accidents that result in property, physical and emotional damages. Even if you are a good driver with a clean record, you need auto insurance. 

And as you probably already know, you are required by the state to have valid insurance in order to register a vehicle and drive on public roads. State law also requires you to meet certain coverage minimums, specifically in the areas of Bodily Injury Liability and Property Damage Liability. And unlike some states, California also requires you to carry Uninsured Motorist coverage with both Bodily Injury and Property Damage minimums.

At Biddle-Shaw Insurance Services Inc., we offer a range of auto insurance policies and get frequent requests for the lowest minimum coverage amounts. However, the truth is that this is hardly the best way to go. Even minor traffic accidents can rack up damages that exceed minimum coverage, causing you to face hefty out-of-pocket costs. Furthermore, it’s worth noting that the state-required minimums are focused on covering damages you may inflict to others, not your own. 

So for most drivers in San Francisco, CA, and all of California for that matter, minimum auto insurance coverage just isn’t sufficient. This is especially true if you have a newer vehicle with pricey customizations or even a classic car that requires specialty parts for repairs. Even cars from a decade or more ago can experience more serious damage in an auto accident, thanks to the lack of advanced safety standards and structure. 

To learn more, contact the experts at Biddle-Shaw Insurance Services Inc. We will evaluate your driving habits and specific needs in order to determine what kind of auto coverage may be best for you.