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If you own or operate a vehicle in California, you must have the minimum car insurance coverage required by law. Understanding your legal obligations can help you make sure you are adequately covered and protected when driving. In this article, we look at the minimum car insurance requirements in California and give you the information you need to make an informed decision when choosing your auto insurance.
What is the Minimum Car Insurance Requirements in California?
The state of California requires all drivers to carry at least the minimum amount of car insurance. This includes liability coverage for bodily injury and property damage, as well as uninsured motorist coverage. The minimum car insurance requirements in California are as follows:
- $15,000 for bodily injury or death of one person in an accident.
- $30,000 for total bodily injury or death of two or more people in an accident.
- $5,000 for property damage in an accident.
- $15,000 for uninsured motorist coverage.
In addition to these basic coverage requirements, California law also requires drivers to carry uninsured motorist property damage coverage, which covers damages to your car caused by an uninsured motorist. This coverage must be at least $3,500.
What Does Liability Insurance Cover?
Liability insurance is the most important type of car insurance coverage you need to have in California. It covers you if you cause an accident and are found to be at fault. Liability coverage pays for medical and repair bills for the other driver and their vehicle, as well as any property damage you may have caused. This type of coverage does not cover any damages to your own car or medical bills for yourself.
Do I Need More Coverage Than The Minimum?
The minimum car insurance requirements in California provide a basic level of protection if you are involved in an accident. However, you may want to consider additional coverage, such as collision and comprehensive insurance, to provide more protection and coverage. These types of coverage can help you pay for repairs to your own vehicle if it is damaged in an accident or stolen, as well as provide coverage for medical bills if you are injured in an accident.
How Much Does Car Insurance Cost in California?
The cost of car insurance in California will vary depending on a number of factors, such as your age, driving record, the type of car you drive, and the type of coverage you choose. Generally, the cost of car insurance in California is higher than the national average, so it is important to shop around and compare rates to find the best deal.
When it comes to car insurance in California, it is important to make sure you have the minimum coverage required by law. This will ensure you are adequately covered in the event of an accident. Additionally, consider additional coverage, such as collision and comprehensive, to provide more protection and coverage. Finally, shop around and compare rates to find the best deal on car insurance in California.
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