If you live in California in order to drive on the streets in the state you must have the CA car insurance minimum requirements.
Every state mandates that their drivers must carry a certain amount of liability to cover any costs that are the result of an accident.
In California, the commissioner of the state has set the following minimums in automobile insurance coverage: $15, 000 in bodily injury to cover one person in a single accident; $30, 000 for bodily injury to two people or more in one accident and $5, 000 in property damage coverage.
This is only what the state of California requires you to carry for car insurance but you should definitely consider higher limits and even more coverage.
The amounts that are listed above represent what your insurance company will pay for one accident.
The bodily injury liability is what will pay for the medical expenses for the person in the other vehicle in an accident where you were at fault.
It does not cover you or anyone in your vehicle.
You must carry personal injury protection or PIP as it is called.
Property damage coverage is what will pay for repairs or replacement of the other person's car in an accident that was your fault.
If you have a car that is of value and or you still owe money on it, you will want to carry collision insurance on it to cover repairs or replacement of the vehicle in case of an accident.
Comprehensive insurance is what will cover the repairs or replacement of your car if it is damaged for any other reason but an accident.
Some examples include theft, vandalism, fire, floods, etc.
You must carry proof of insurance with your vehicle at all times.
If you are pulled over by the police and you cannot provide proof of insurance you could face fines and have your license suspended.
Every state mandates that their drivers must carry a certain amount of liability to cover any costs that are the result of an accident.
In California, the commissioner of the state has set the following minimums in automobile insurance coverage: $15, 000 in bodily injury to cover one person in a single accident; $30, 000 for bodily injury to two people or more in one accident and $5, 000 in property damage coverage.
This is only what the state of California requires you to carry for car insurance but you should definitely consider higher limits and even more coverage.
The amounts that are listed above represent what your insurance company will pay for one accident.
The bodily injury liability is what will pay for the medical expenses for the person in the other vehicle in an accident where you were at fault.
It does not cover you or anyone in your vehicle.
You must carry personal injury protection or PIP as it is called.
Property damage coverage is what will pay for repairs or replacement of the other person's car in an accident that was your fault.
If you have a car that is of value and or you still owe money on it, you will want to carry collision insurance on it to cover repairs or replacement of the vehicle in case of an accident.
Comprehensive insurance is what will cover the repairs or replacement of your car if it is damaged for any other reason but an accident.
Some examples include theft, vandalism, fire, floods, etc.
You must carry proof of insurance with your vehicle at all times.
If you are pulled over by the police and you cannot provide proof of insurance you could face fines and have your license suspended.
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