California Car Insurance: How Much is Needed?
Buying Car Insurance in California
This guide explains liability and property damage coverage, key for California drivers.
Liability Coverage
- What it covers: Bodily injury and property damage you cause to others in an accident.
- California requires: Minimum limits ($15,000/$30,000/$5,000), but higher limits (100/300/100) are recommended.
- Applies when: You are legally responsible for the accident.
Property Damage Coverage
- What it covers: Damage you cause to another person's property (e.g., fences, vehicles).
- California requirement: Not mandatory, but highly recommended and inexpensive.
- Applies when: You cause property damage, regardless of fault.
Key Differences
- Liability: Pays when you are at fault.
- Property Damage: Pays regardless of fault.
Tips for California Drivers
- Increase liability limits.
- Add property damage coverage.
- Maintain a good driving record.
Important Notes:
- Liability claims can be very expensive.
- Uninsured motorist coverage is crucial.
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