When do you need auto insurance in California

Owning a car in the Newport Beach, CA area is a necessity for a lot of people. If you do own a car here, it is crucial to stay in compliance with your insurance requirements. There are several situations when you need to have this coverage.

When Driving on Public Roads

One of the reasons why you need to have auto insurance in this area of California is because it is required by law. In this state, you are obligated to carry liability insurance whenever you drive your car on a public road. This provides assurances that you can pay for any damages that you cause during an accident. Those caught driving without this form of insurance could face a variety of penalties.

When Trying to Protect Asset

Another reason why you need to have auto insurance is that it will provide you with protection for your vehicle. When you own a car, there is a good chance that you will spend a lot of money purchasing it and on maintenance. The last thing that you would want would be to lose this asset due to damage or theft. If you get a full collision and comprehensive insurance policy, it will give you coverage to replace or repair your car when necessary. This form of coverage will also be required if you took out an auto loan. 

Choosing the right auto insurance policy is very important. Murvay Insurance is an excellent resource for any questions that someone in Newport Beach, CA has about auto insurance. When you are looking for a new policy, Murvay Insurance can help you to determine your risk profile and figure out a way to protect you and your vehicle adequately. This will provide you with peace of mind and ensure you are in full compliance with your obligations.