Car Insurance California

Laws make Car insurancein California mandatory and require that you have the following coverage:

  • Bodily injury liability,
  • Property damage liability,
  • Uninsured motorist property damages
  • And underinsured motorist bodily injury liability.

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There are different kinds of coverage available. Usually auto insurance also provides for comprehensive physical injury, collisions and medical payments. Shop around for all kinds of insurance policies and select the one that best suits your budget. Insurance has premiums that have to be paid on a monthly basis throughout the tenure of your registration. For all people driving in California it is important that you have a car insurance California card with you at all times. The state law states that each vehicle owner needs to have some sort of proof of financial responsibility. In the event of an accident, a Certificate of Compliance has to be filled out by your insurance agent that establishes your financial responsibility.

Any automobile insurance provides you with the safety you need. Although there are some mandatory insurance requirements with the state of California, it is important to look into more coverage options as well. Here’s the minimum liability coverage the state of California requires:


  • $15,000 for injury/death to one person,
  • $30,000 for injury/death to more than one person,
  • $5,000 for damage to property,

Uninsured Motorist Bodily Injury Coverage includes:
  • $15,000 per person / $30,000 per accident minimum and
  • Uninsured Motorist Property Damage Coverage: $3,500 minimum.

If you get into an accident, you will probably need to pay more damages than these. It is wise to buy comprehensive insurance coverage.

The California Motor Vehicles Department is very strict in enforcing these rules. Failure to provide any proof of financial responsibility will lead you to paying hefty fines. Acceptable proofs are;


  • An insurance card,
  • A document by your insurance company that states that you have adequate insurance,

It is important to obtain and submit a California Proof of Insurance Certificate to the DMV. Also obtaining a proof that your vehicle is publicly owned or leased is necessary. If you cannot come up with any proof you will be fined $1000 with a traffic citation and a possible suspension of your driving privileges.

Selecting good auto insurance makes sense for motorists.  Insurance provides you the security and safety. In the event of property damage, you will not have to dish out huge sums of money. It also helps you with a sense of security on the road. If you get into an accident; with the help of your insurance you can pay your medical bills.  Depending on the coverage, you will also be able to pay for the losses incurred to your vehicle. And you will also be able to pay for the repair.  Insurance helps you tackle all of these issues and that’s why it’s so important. Each state usually makes it mandatory for all vehicle owners to have some insurance coverage. The state of California is no different.


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