California Law requires all motor vehicle owners to have insurance which provides Bodily Injury Coverage and Property Damage Coverage.
In the State of California the required minimum coverage for bodily injury is $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident.
The required minimum coverage for property damage is $5,000 for injury to or the destruction of property of others in any one accident.
Optional insurance may include Uninsured Motorist Coverage. If the policy holder makes this choice, the actual coverage purchased must be at least the amount of the required Bodily Injury Coverage. If the policy holder purchases more than the required amount of Bodily Injury Coverage, Underinsured Motorist Coverage may then be purchased in a lesser amount. The State of California does not require insurance companies to provide Uninsured Motorist Coverage in any amount greater than $30,000 per personal injury in any one accident and $60,000 for all persons involved in any one accident.
As well, if Uninsured Motorist Coverage is purchased, then the policy must also include Underinsured Motorist Coverage. California requires insurance companies to offer for purchase Underinsured Motorist Coverage in an amount equal to that purchased for Uninsured Motorist Coverage. Insurers may, however, offer a greater amount of Underinsured Motorist Coverage than the Uninsured Motorist Coverage actually purchased by the policy holder.
California requires liability limits of 12/30/5 which represent $20,000 for bodily injury coverage per person and $30,000 for bodily injury coverage per accident which will pay for medical bills and lost wages. The last number of 5 represents $5,000 for property damage coverage per accident which will pay for repairs and/or replacement of objects damaged or destroyed other than the policy holder’s own vehicle.
Personal Injury Protection (PIP) and No-Fault Coverage are not required by the state.
Adding Collision Coverage as well as Comprehensive Coverage to an insurance policy is optional as well in California.
By: Elizabeth Newberry
When you take a look at the car insurance quotes that are in the state of California, you will find that they are amongst the higher priced ones in the United States. This is why it is important to shop around in order to find car insurance at a cheap and affordable price. Prior to having driving a car in California, the state requires that you get an insurance policy on the car. In fact, before you register a vehicle in this state, you need to have insurance. As we write this article, we would like to speak with you more about automobile insurance in this lovely state.
There are many websites that you can come across on the Internet that will be able to give you quotes. These websites are scattered around the Internet. Many of them are not so legit, but we guarantee, with a little bit of careful research, you will come across a legit website to get your quotes from.
Do you know something that we really enjoy about getting quotes on the Internet? The fact that it is free. That’s right, when you find the right website; you will be able to get those quotes without paying any money.
Another feature we like about obtaining online quotes is the fact that we could get the quotes instantly.
Gone are the days when you have to wait for a long period of time just to hear a quote. Through this option, you will be able to obtain many different quotes in no time at all.
Additionally, when you have an automobile that is finance, the automobile loan may require you to have some type of insurance on the vehicle. Most likely, this will be collision as well as liability. This is to make sure they receive their money in case the car is damaged or destroyed in some way, shape or form.
If you currently have an insurance policy on your car and you are wondering if you are paying too much for it, then you can turn to the Internet for help. Within no time, you will be able to determine if you can get your insurance at a cheaper price. You should also make sure to check and see if the coverage being offered is better than yours. Obviously, you do not want to settle for coverage that is not as good as what you have.
By: Ted Kripps