subject: All About California Car Insurance Requirements [print this page] Every state is cracking down on car insurance. They are tired of people getting into car accidents without having any insurance, so you had better make sure that you have car insurance. So, what are the California car insurance requirements? We have them right here. So, keep reading if you are curious.
When it comes to liability insurance this is how they break it down. In order to cover the cost of one person, you have to have a minimum of fifteen thousand dollars. To cover two or more people involved in an accident you have to have a minimum of thirty thousand dollars. Then, for damage to property you have to have a minimum of five thousand dollars.
Some people don't have the money to get liability insurance. If you don't have the money for that, then you can apply for what is called California's Low Cost Automobile Insurance Program which is funded through the government. You have to provide proof that you are eligible for this. If you can't, then you just don't qualify.
Now, liability insurance doesn't cover you if you are in an accident. This just covers the other person or people who might be involved. If you are looking for something that will cover you, then that is a different coverage.
The coverage that you are thinking about if you want to make sure that you are covered is comprehensive insurance. There is also collision insurance that will cover other things as well. However, these aren't mandatory. It is wise however to have more than that. That extra insurance is always nice to have. This is true if your car is damaged as well. An accident can happen at any time. No one anticipates them happening to them and no one warmly welcomes them either.
The only thing that is mandatory by California law is liability. If you are caught without insurance, then you are in some serious trouble. They have a right to not only ticket you, but they could even take you to jail for this. So, make sure that you have it as they are really cracking down on this.
This is what you need to know about California car insurance and what they say that you have to have. It might seem like a lot, but when it saves you from jail time, you won't be thinking it's all that much. Take our word on it. There have seen just how serious they are about this. It isn't pretty.
by: Alexis Ford
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