Personal Auto Insurance

SCJ has been underwriting Personal Auto Insurance in California for over 40 years. More California independent brokers partner with SCJ than any of our competitors because they know that SCJ has the best policies for you, the insured.


Unfortunately, accidents happen. According to industry estimates, the average American driver will have over three auto claims in his or her life. One of the negative consequences that an accident can cause is the financial liability for vehicle and medical costs.


Fortunately, there’s SCJ. Think of your personal auto insurance policy as your financial safety net when you’re in an auto accident.


We know that auto insurance can be confusing, so we’re here to help! Below is an outline of coverage options. For more information, please click here to reach out to one of our independent broker partners!


Bodily injury liability coverage can protect your financial interests in the event that you’re found at fault in an accident that harms other people.


Property Damage liability coverage can protect your financial interests in the event that you’re found at least partially at fault in an accident causing damage to another person’s vehicle. This does not cover any damage that you cause to your own vehicle.


Medical Payments coverage typically pays for medical costs when you’re injured in a vehicle accident, regardless of who is at fault.


Uninsured Motorists Bodily Injury coverage helps you and your passengers with costs arising from injuries after being involved in a vehicle accident with an uninsured driver.


Uninsured Motorists Property Damage coverage applies when another driver is determined to be at least partially at fault for a car crash and has inadequate or no insurance coverage.


Comprehensive Physical Damage coverage helps you recover losses to your vehicle that aren’t caused by accidents. Examples include theft, vandalism, and fire.


Collision coverage helps protect your financial interests when you cause an accident. If you do not purchase coverage, you will could be left to pay for repairs to your car out of pocket.


The above is intended only for general informational purposes; it doesn’t refer to or supersede any specific contract. Plese speak to one of SCJ’s independent broker partners for more information.



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