California Minimum Car Insurance Requirements
When it comes to protecting you and your family, possessing an appropriate level of liability coverage is a must. Liability insurance covers the damage you cause in an accident. This is different from other aspects of California car insurance such as comprehensive or collision coverage. It is important to understand the minimum levels of liability coverage allowed in the state of California so you can choose an optimum level of coverage. California has adopted a 15/30/5 standard. Each number represents the minimum dollar amount (in thousands) of liability coverage your plan must contain in each category to comply with state law.
The first number represents the bodily injury liability limit, which is $15,000 per injured person. The second number is the bodily injury liability limit for all injuries incurred in the accident, which would need to be at least $30,000. Last is the property damage liability limit per accident, which needs to be at least $5,000. These requirements are among the lowest in the nation, so it is important to consider additional coverage for added peace of mind. Any discrepancy between what your insurance company pays and the total cost of damages could be your responsibility, so it is wise to opt for a higher level of coverage.
If you do not comply with the California minimum car insurance requirements, you could face steep penalties that might include fines or license suspension. This is why choosing the right California car insurance plan is so crucial. Many institutions recommend that you carry at least 100/300/100 liability coverage to give yourself better protection in the event of an accident. We have made it extremely easy to get a free quote and purchase superior coverage. To get started, fill out the convenient form located at the top of the page!
The first number represents the bodily injury liability limit, which is $15,000 per injured person. The second number is the bodily injury liability limit for all injuries incurred in the accident, which would need to be at least $30,000. Last is the property damage liability limit per accident, which needs to be at least $5,000. These requirements are among the lowest in the nation, so it is important to consider additional coverage for added peace of mind. Any discrepancy between what your insurance company pays and the total cost of damages could be your responsibility, so it is wise to opt for a higher level of coverage.
If you do not comply with the California minimum car insurance requirements, you could face steep penalties that might include fines or license suspension. This is why choosing the right California car insurance plan is so crucial. Many institutions recommend that you carry at least 100/300/100 liability coverage to give yourself better protection in the event of an accident. We have made it extremely easy to get a free quote and purchase superior coverage. To get started, fill out the convenient form located at the top of the page!
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