California Minimum Car Insurance RequirementsThe state of California requires all drivers to carry liability insurance. As with many other states, they have a mandated minimum amount of liability coverage drivers must carry. Failure to do so can result in some steep penalties. The mandatory minimum liability insurance coverage for California is: Show
These are just the mandated amounts for the state of California. If you lend or lease a vehicle in the state, you may be subjected to additional insurance requirements by your lender or leasing company. All drivers in California must carry proof of coverage and be ready to present it when requested. California Liability Car Insurance CoverageAs mentioned above, California requires all drivers to carry liability insurance. Liability insurance pays for injuries and damages you cause in an accident. This type of insurance will never cover your own personal expenses following an accident. Additional coverage must be purchased for that. Liability coverage only offers assistance to the other party. Car Insurance Limits in CaliforniaThe maximum amount your insurance company will pay for is determined by the limit you set when purchasing. California, as outlined above, sets its minimum limits which means that the lowest amount of liability insurance you can purchase in order to legally drive. California functions on a 15/30/5 policy which each number serves its own purpose.
Is California’s Mandatory Car Insurance Minimums Enough Coverage?In short, no. California’s mandatory minimum liability insurance coverage amounts will not be enough if you end up in an accident. The cost of an accident can be very high. Looking at the minimum amount of property damage required, $5,000 will barely be able to cover any vehicle if the other party needs a new car. Medical expenses can also get very costly after an accident. Whatever is not covered can come back to you to pay on your own. Not to mention you have to worry about the damages and injuries you sustain in an accident. Liability does not cover you or your passenger(s). Driving with only the state-mandated minimum coverage can be very risky. Driving Without Car Insurance in CaliforniaFailing to carry the proper amount of insurance to legally drive is a serious offense in the state of California. If unable to provide proof of coverage, you could be facing:
Additional Types of Car Insurance in CaliforniaCalifornia only requires drivers to carry liability insurance, but there is a wide variety of other types of insurance you can add to your policy. Outlined below are the policy add-ons you can purchase to strengthen your car insurance policy. The coverage these types of insurance offer can help you and your passenger(s) following a severe car accident.
Car Insurance is Important For Any California DriverCar insurance is mandated for all drivers in the state of California. Not only should you carry it to obey the law, but it can also offer a lot of assistance after a tragedy. Accidents can happen to anyone, and it is very important to prepare as best as you can. It is highly recommended that you purchase beyond California mandated liability insurance minimums. You are going to want protection for yourself and any passengers you may have. It can be very beneficial financially following an incident. Call Insurance Navy today at 888-949-6289 to speak with one of our expert agents and get a free cheap car insurance quote. Insurance Navy knows how tedious the car insurance shopping process can be. We’re here both online and in-person to help you get the best, affordable coverage. How much insurance do I need in CA?California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.
Is liability car insurance mandatory in California?You must buy liability coverage.
Driving without insurance is illegal. Also, you must have liability coverage to register your car. Your insurance company tells the California Department of Motor Vehicles (DMV) if you buy auto insurance or if you stop paying your premium.
What is the recommended car insurance coverage in California?Most financial experts recommend raising your liability to $50,000 per person and $100,000 per accident if you have few assets. With more assets — like a house, expensive car, or large amounts of savings — experts recommend bumping your coverage up to at least $100,000 per person and $300,000 per accident.
Is minimum car insurance enough in California?California minimum car insurance is a type of liability coverage that pays for any damages you cause to another driver. This coverage is usually not enough and you may want to consider buying additional coverage.
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