california insurance law

California law requires that drivers have evidence of driving, if their own car or someone else's. Persons who have a vehicle but not driving, are still required to have auto insurance in California.

California's Compulsory Financial Responsibility Law requires every driver and owner of a car to be the financially responsible for their actions. The statutory minimum limits of liability insurance in California, that the person responsible for an accident that results in death or injury of a person is liable for $ 15,000 or $ 30,000, if there are multiple injuries in an accident. The responsible party is liable for property damage of $ 5,000 for an accident.

There are four methods to ensure the financial responsibility, including reporting by a motor vehicle or motor vehicle liability insurance, a cash contribution of $ 35,000 with the Department of Motor Vehicles (DMV), a certificate of self insurance issued by DMV to owners of fleets of more than 25 vehicles, or a bond for $ 35,000 from an insurance company licensed to do in California.

If a vehicle involved in an accident, for which the driver as being legally liable, bodily injury liability covers their liability for injuries to others, to them, whereas property damage liability covers their liability for damage caused to someone else property.

All California drivers and owners must be at least the basic requirements to the limits of minimum liability insurance or a substitute method to compensate for injuries or property damage they can bring. The penalties are extremely hard for non-compliance with this segment of the vehicle code. Comprehensive coverage (with the exception of a collision), uninsured motorist, medical payments and collision insurance are not required by law, but can be a good investment.

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