What To Know When It Comes To California Car Insurance Requirements
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The Golden State of California is a vast and wide ranging region that has millions upon millions of automobiles and the drivers that go with them. California is justifiably famous for its roads and its love of the car, so what to know when it comes to California car insurance requirements can be important when registering and then operating a motor vehicle on any of the state’s roads.
As in every other state, California mandates that anybody intending to register and operate a vehicle in California must obtain and then maintain a certain amount of automobile insurance coverage. Like every other state, California also has a set of mandatory minimum levels of coverage that center on personal liability and personal injury protection.
In the Golden State, the mandatory minimums for those drivers who are not placed into the high risk auto insurance pool generally come in at $15, 000 of liability insurance coverage for the death or injury of a single person involved in the accident and $30, 000 to cover all of the people injured in the accident.
Additionally, California requires property damage liability in the amount of $5000 of coverage for each accident. All of these levels are considered to be very reasonable, by the way. The state also does not have an uninsured motorist — known as a UM — coverage level, though most agents licensed to sell insurance in the state recommend at least $50, 000 of UM coverage be obtained.
California also is not one of the states in the country that are referred to as “no-fault” states when it comes to insurance. Rather, it is what is known as a tort liability state, meaning that the driver found to be at fault in the accident will be required to pay all of the costs involved in the accident. These could be things such as medical charges, car repair bills and any damage to personal property that happen to have occurred.
California also has a separate risk pool for those people who are considered to be high risk drivers. Generally, these people have relatively poor driving records and cannot otherwise find insurance. Insurers who offer such high risk insurance generally must offer coverage levels that are at least half that of the regular mandatory minimums set by California law.
California car insurance requirements are generally considered to be very reasonable, and the state works hard to make it possible for people to obtain auto insurance and register their vehicles in the state. Take some time to head to the Internet to get a look at the kinds of policies that are available in California before going with any single insurance company.
California is justifiably famous for its roads and its love of the car, so what to know when it comes to California car insurance requirements can be important, especially when the governor declares new rules in terms of insurance coverage.
