California law mandates that all drivers must carry a minimum amount of liability insurance in order to legally operate a vehicle in the state. The minimum requirements for car insurance in California are as follows:
1. Bodily Injury Liability Coverage: Drivers must have a minimum of $15,000 per person and $30,000 per accident in bodily injury liability coverage. This coverage helps pay for expenses related to injuries or death of other people in an accident for which the insured driver is at fault.
2. Property Damage Liability Coverage: Drivers must have a minimum of $5,000 in property damage liability coverage. This coverage helps pay for damages caused to another person's property in an accident for which the insured driver is at fault.
3. Uninsured Motorist Bodily Injury Coverage: California also requires drivers to carry uninsured motorist bodily injury coverage of at least $15,000 per person and $30,000 per accident. This coverage protects the insured driver and passengers in the event of an accident with an uninsured or underinsured driver.
It is important to note that these are just the minimum required coverages in California, and drivers may choose to purchase additional coverage options such as comprehensive, collision, medical payments, and uninsured motorist property damage coverage for added protection.
Failure to maintain the minimum required car insurance in California can result in fines, license suspension, and other penalties. It is important for drivers to not only comply with the state's insurance requirements but also consider additional coverage options to adequately protect themselves and their vehicles on the road.
