These coverages and limits of car insurance are unavoidable! Check your coverage today.
All motorists in California know that they need auto insurance, but many are stumped on what limits and policies are legally required. This confusion can undoubtedly mean that many are overpaying for their coverage or are not fully insured to their needs.
When determining your auto insurance in California, check out the legal requirements!
Bodily injury liability insurance coverage:
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
Liability insurance compensates a person, who is not the policyholder, for personal injury and property damage resulting from an accident. Additionally, liability insurance coverage will pay for legal costs if the insured driver is involved in a lawsuit regarding a vehicular accident. This coverage is required for a driver to be legally insured in California.
Comprehensive or collision insurance does not meet vehicle financial responsibility requirements!
Property damage liability insurance coverage:
- $5,000 for damage to property.
This coverage is required in California. It will pay for damage done to another person’s property resulting from a vehicular accident – when the policyholder is legally determined to be held liable. Similarly to bodily injury coverage, property damage liability coverage will pay for legal costs associated with the lawsuit, resulting from the accident.
Motorists should keep in mind that it does not matter who is driving the vehicle, the car itself must have insurance. Even if the driver has an auto insurance policy for their own car, that does not mean that your vehicle is covered simply because that particular person is driving. Be sure to insure your vehicle properly!