As with most states, when you purchase auto insurance, you are required to carry a minimum amount of coverage to ensure that you can pay for damage caused in the event of an accident. Minimum insurance requirements are also put in place to help keep uninsured vehicles off the road. When purchasing your California auto insurance policy, it will need to include the following minimums:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
While these minimums might cover most accidents, you should carry more insurance in certain instances. If you live in an area that is highly trafficked and has very expensive vehicles driving around, your minimums may not cover the least amount of damage that may be caused in an accident. Also, if you are financing a new vehicle purchased in California, the bank or dealer who has financed the vehicle will require that you carry enough insurance to cover the vehicle in the event that it is totaled. Even if you own an older car that you may not think is very valuable, you may want to have more coverage to protect your passengers and others that you are sharing the road with.
For more information about California auto insurance minimum coverages, please contact a representative at www.aisinsurance.com or call 888-772-4247.
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.