By law there is a minimum amount of auto insurance in California that is required for all drivers. This minimum amount is present to protect drivers from others and from themselves. If there were no minimum requirement then in every accident that you are found at fault, you would be required to pay for all injuries and damages. This cost could be huge, and creep into the tens and hundreds of thousands of dollars range, and not many people could afford to pay this cost out of pocket.- Bodily Injury Liability - California auto insurance requires that you have at least $15,000 of bodily injury liability per person, and $30,000 per accident. This insurance covers all medical expenses as well as pain and suffering for anyone that you injure in a car accident.
- Property Damage Liability Insurance - You are also required to have at least $5,000 of property damage liability. This amount covers you for any damage that you cause to property, such as the other motorists vehicle. This does not cover your vehicle however! To cover your own vehicle you will need to purchase collision and comprehensive coverage, that is discussed in the
types of coverages section.
As can be seen, the minimum required amount is quite small! If the injuries and damages rise above these amounts, you will be liable to pay for the rest of the damages! If it is a major accident, you could end up paying a lot of money. It is recommended that you increase these minimum to fully protect yourself. This will raise your premiums, but this small increase in price is worth it for the added protection. It is also recommended that you have medical insurance in order to protect yourself. Bodily injury liability does not cover injuries to you it only covers injury to other people, so having medical insurance will protect yourself. To see how much these your premium will be, get a free
California auto insurance quote online
, and find some California low cost car insurance. This quote will search all the major national insurance companies, and find the top three that offer cheap auto insurance in California. |
