Auto Insurance Minimum Requirements California CA
Reader’s Question:
I just moved here in California. What are the minimum requirements for a California Auto Insurance?
Jeremy
Los Angeles, CA
Like all states in America, California has made it mandatory for every driver to have auto liability insurance. Liability covers for the expenses incurred resulting from accidents or mishaps. These include the cost of medical treatment and/or hospitalization to treat injuries, and the cost of repairs done to the other motorist’s vehicle struck by the insured.
The minimum level of coverage for medical expenses is 15 thousand dollars if there was only one occupant in the vehicle, and a total of 30 thousand dollars for combined medical expenses of all occupants in the vehicle, while an amount of 5 thousand dollars is allotted to cover for property damages, including automobile repair.
Liability does not cover repairs done to or replacement of the insured driver’s car if the insured is at fault in the accident. This is where collision and comprehensive insurance comes into the picture. This is what you need to take care of the damage on your car. Collision and comprehensive insurance not only covers costs resulting from accidents, but also allows the insured to have necessary repairs done to their vehicle at their insurance provider’s expense. Although collision and comprehensive insurance is not required in the State of California, it is strongly recommended.
Tags: auto insurance coverage, collision insurance coverage, comprehensive insurance coverage, liability insurance
Loading ...