Minimum Coverage Car Insurance California

What is Minimum Coverage Car Insurance?

Minimum coverage car insurance is the least amount of auto insurance that is required by law in California. It covers you, and any passengers in your vehicle, in the event of an accident. It is also known as “liability insurance” because it covers the cost of a third-party’s property damage or medical bills if you are found at fault for an accident. Minimum coverage car insurance is the most basic and affordable way to protect yourself on the road.

What Does Minimum Coverage Car Insurance Cover?

Minimum coverage car insurance in California covers: bodily injury liability coverage, property damage liability coverage, and uninsured motorist coverage. Bodily injury liability coverage pays for medical bills and lost wages that you may be liable for if you or a passenger in your vehicle is injured in an accident. Property damage liability coverage pays for damage to another person’s property, such as a vehicle or a fence, if you are found at fault for an accident. Uninsured motorist coverage pays for medical bills and lost wages if you are hit by an uninsured driver or a driver without enough insurance to cover the cost of an accident.

How Much Does Minimum Coverage Car Insurance Cost?

The cost of minimum coverage car insurance in California depends on a variety of factors, such as your age, driving record, the type of vehicle you drive, and the coverage limits you select. Generally speaking, minimum coverage car insurance is the most affordable type of auto insurance available, but it is important to shop around for the best rate.

What Are the Minimum Coverage Limits in California?

The minimum coverage limits in California are 15/30/5. This means that the insurance policy will cover up to $15,000 per person in bodily injury liability, up to $30,000 total in bodily injury liability, and up to $5,000 in property damage liability. It is important to understand that these are minimum limits and you may want to consider purchasing additional coverage to protect yourself and your passengers in the event of an accident.

What Happens If I Don’t Have Minimum Coverage Car Insurance?

If you are caught driving without minimum coverage car insurance in California, you can face serious consequences. This includes fines, license suspension, and even jail time. In addition, if you are found at fault for an accident without minimum coverage car insurance, you may be held personally liable for the cost of damage or injury to a third-party.

Conclusion

Minimum coverage car insurance is the most basic and affordable form of auto insurance in California. It is important to understand the coverage limits and what is covered in the event of an accident. It is also important to understand the consequences of driving without minimum coverage car insurance. Shopping around for the best rate is the best way to ensure that you get the coverage you need at a price you can afford.