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  • HOME
  • CONTACT
  • SERVICES
  • LEARN MORE
    • ACCIDENT FAQ
    • AUTO INSURANCE
    • CLASSIC CAR
    • FOOD TRUCK INSURANCE
    • GENERAL LIABILITY
    • INLAND MARINE
    • BLOG
  • INSURANCE QUOTE
    • AUTO/MOTORCYCLE
    • RENTERS / HOMEOWNER
    • COMMERCIAL
  • ABOUT US
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    • SOCIAL MEDIA
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Do You Need Car Insurance?

YES! ⚖️ Liability Insurance is Required by Law!

Liability Insurance is required by law. If you own or operate a motor vehicle, the DMV requires you to demonstrate “financial responsibility.” This ensures that in the event of an “at-fault accident,” you have the means to cover the associated expenses. Purchasing Auto Liability Insurance is the simplest way to meet this legal requirement. 



Car Insurance is Required by Law! Get Insured Today!

  Under Citation Vehicle Code Section 16028(a) / 16029(a), such non-compliance could lead to suspension of both your driver's license and vehicle registration. 


Our agents are available to assist you in both English & Spanish. Text us today to get a free-no obligation quote. We are available by TEXT 24 hours a day 7 days a week.

📱 Call or Text us at (714)736-9048 📱 Or Use Our Live Chat Feature!

🛡️Liability insurance is essential in protecting your present and future self financially and legally by covering damages and injuries and protecting against lawsuits for medical/related expenses. Liability insurance is composed of two main components: Bodily Injury Liability and Property Damage Liability.

 

  • 🩼Bodily Injury limit: This coverage helps pay for medical and related expenses for people injured in an accident for which you are at fault (excluding yourself). Coverage is provided up to the policy limit


  • 🔨Property Damage Liability: This coverage helps pay for the repair or replacement of vehicles or other property damaged in an accident for which you are at fault. Coverage is provided up to the policy limit.


🛡️⚖️Liability insurance protects you from paying out of pocket for damages or injuries you cause to others or their property while operating your vehicle. Without liability insurance, victims can sue you to recover financial losses, including but not limited to: Medical expenses, Lost wages, and Property repair or replacement costs.  Having liability insurance ensures peace of mind and financial security in the event of an accident.


🛡️🚗“Full Coverage” is a term created by insurance marketers to describe a combination of coverage that includes Liability Insurance (mentioned above) and additional protection for your vehicle. It’s called “full coverage” because it provides financial protection for 

  1. Your potential liability (Injuries to others or damage to their property)
  2. Your property (Your Auto) This coverage is composed of two main components: Comprehensive and Collision.


  • Comprehensive Coverage: This coverage pays for damage to your car caused by events other than collisions, such as: (Theft Vandalism, Weather damage (e.g., hail or floods) Hitting animals Comprehensive coverage is subject to your selected deductible.


  • Collision Coverage: This coverage pays for repairs to your vehicle if it’s damaged in an accident, regardless of who is at fault. It covers collision-related incidents, such as: Hitting another vehicle, Colliding with an object (e.g., a tree or fence) Collision coverage is also subject to your selected deductible. 


🛠️💸A deductible is the amount you pay out of pocket before your insurance kicks in to cover the remaining cost of a claim.

Example:

  • If your deductible is $500 and your covered claim is $2,500, you pay $500, and your insurance covers the remaining $2,000.


Choosing a higher deductible may lower your monthly premium, but it means paying more out of pocket for a claim.


🛡️❌Uninsured Motorist Coverage protects you if you're involved in an accident with an uninsured driver. It consists of two key components:

1.Uninsured Motorist Bodily Injury (UMBI)

  • Covers your medical expenses and lost wages up to the policy limits you select.
  • Acts as if the at-fault uninsured driver had insurance, safeguarding your financial well-being.

2. Uninsured Motorist Property Damage (UMPD)

  • Ensures your vehicle is repaired or replaced without requiring you to pay a deductible.
  • If you have liability-only coverage, your insurer may provide up to $3,500 in UMPD coverage.

If you have liability, comprehensive, and collision coverage, your deductible is completely waived!


đźš—đź§ľRental Reimbursement is an optional auto insurance coverage that helps pay for the cost of renting a substitute vehicle while your car is being repaired due to a covered accident or incident.

  • You initially pay for the rental out of pocket, and your insurance carrier reimburses you according to the policy limits.
  • This coverage offers convenience and keeps you mobile during repairs.


🛡️⚕️MedPay provides coverage for medical expenses for you and any passengers in your vehicle injured in an accident or auto-related incident.

  • It ensures quick access to funds for medical needs, regardless of fault.


🛡️🧑‍🔧Roadside Assistance coverage offers peace of mind when your vehicle is disabled due to:

  • Mechanical or electronic breakdowns
  • Dead battery
  • Flat tire
  • Lockout
  • Insufficient fuel or fluid issues 

 Assistance is provided up to the limits stated in your policy’s declaration page. 


If you wonder if you have a specific coverage or would like to add coverage let us know!


 

Disclaimer: The information provided on this website is for informational purposes only and is not guaranteed to be accurate, complete, or up-to-date.  Street Smart Insurance Solutions assumes no liability for errors or omissions in the content provided.  

Street Smart Insurance Solutions

6881 Stanton Avenue Suite C-2, Buena Park, California 90621, United States

Text or Call 714-736-9048

Copyright © 2025 Streetsmart Insurance Solutions - All Rights Reserved.

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