California Auto Insurance Requirements

If you want to drive legally in California, it is imperative that you carry auto insurance. This will protect you in the event of an accident, and it will also be an important tool when it comes to renewing your registration. The state requires a minimum level of insurance coverage, known as liability insurance, which will cover you in case of an accident and pay for damages and injuries that you cause. If you don’t have enough coverage, you can face license suspension. affordable auto insurance quotes

Even with the minimum California auto insurance requirements, it is important to remember that these policies may not cover the costs of an auto accident. While $5,000 in property damage coverage may seem like a lot, the cost of repairing or replacing a vehicle can exceed that. Similarly, the cost of treating a person with a spinal cord injury can easily exceed the minimum bodily injury coverage.

California auto insurance requirements require drivers to carry minimum amounts of bodily injury coverage and property damage coverage. This is the minimum amount required by law, but you may want to purchase more. If you don’t, you run the risk of losing assets and being sued by the other party. So, be sure to check the minimum California auto insurance requirements before you get behind the wheel.

If you drive a large number of vehicles, you may be able to get a certificate that shows that you are financially capable of paying for the damage caused by another vehicle or by a collision. While liability insurance is mandatory in California, you may also want to consider comprehensive coverage. While collision coverage pays for damages caused by an accident, comprehensive insurance covers damages caused by non-collisions.

Although the minimum California auto insurance requirements are lower than those in other states, they do not come with the same level of coverage. In addition to the property damage limits, liability insurance does not cover medical expenses and other costs incurred by you and other passengers. Further, the minimum physical injury limits for California drivers are quite low. Even the smallest accident can drained your physical injury limits quickly, so adding additional coverage is a sensible idea if you want to ensure complete coverage.

California uses a “fault” system that makes it easy for car accidents to happen. In a collision, the driver at fault is responsible for the rest of the losses. Without auto insurance, drivers could face a substantial court judgment.