California State Auto Insurance - What You Need To Know

One of the most frequent questions that Californians ask is, "What are the California state auto insurance laws for liability coverage?" The numbers are easy enough to understand, but there is much more you need to consider first. Here's a look.

While the actual limits for liability coverage is quite low, you would be wise to increase them. Currently, California law requires every registered vehicle owner to carry at least 15/30/5 liability limits. So what do the numbers mean?

For bodily injury, a maximum of $15,000 would be paid for any one individual that is injured and you are at fault. $30,000 would be the total amount paid for all injured parties in an at fault accident. The $5,000 amount is what would be paid for all property damage you would be responsible for.

As you might imagine, these minimum California state auto insurance limits are extremely low. Any extensive injuries or property damage you may be responsible for in a car accident could easily exceed your coverage many times over.

Today's medical costs and vehicle costs mean you could be open for a lawsuit very quickly and easily for any unpaid damages. Not something anyone wants.

You should take your time and really consider how much auto insurance to carry as a California resident. Increasing your liability limits is not that expensive.

Sure, California has some of the highest auto insurance rates in the country, but there are several discounts you may qualify for that will more than offset the costs. The best thing to do is shop around and talk with several different insurance agents and companies.

You should also consider adding uninsured and under insured motorist coverage on your policy as well. This will help cover your medical bills in the event the other party is at fault and doesn't have auto insurance, or doesn't carry enough to cover your injuries.

Be sure to protect yourself and your family from financial disaster by carrying the proper amount of insurance on your vehicles. Get a good understanding of the California state auto insurance regulations and how they apply to you. It could really save you a lot of money in the long run.