Typically, auto insurance in California consists of the following parts:

 

• Part A--liability coverage: This provides protection for claims brought against an insured when the             use of an insured vehicle caused bodily injury or property damage to someone else.  

 

• Part B--medical payments coverage: This provides coverage for various medical expenses                      incurred by the insured and others as a result of an accident, regardless of negligence or                  liability on the part of the insured.

 

• Part C--uninsured motorists coverage: This provides coverage for losses that the insured and                others sustain when injured through the negligence of an uninsured or unidentified hit-and-             run motorist.

 

• Part D--coverage for damage to your auto: This provides coverage for losses that the insured                suffers as a result of damage to his or her covered vehicle and/or its contents. This                          coverage consists of two parts: collision and other than collision (also known as                              comprehensive). Other-than-collision losses include such things as fire damage, damage                  caused by animals in the road, and theft.

 

• Part E--duties after an accident or loss: This imposes various requirements on the insured if an              accident or other loss occurs. If you do not comply with the duties spelled out in this                        section, you may forfeit your contractual rights under the policy.

 

• Part F--general provisions: This specifies certain conditions that apply to the entire policy or                    insuring arrangement. These include provisions for fraud, bankruptcy of the insured, and                  cancellation of the policy, among other things.