California auto insurance

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California Minumums Liability Coverage

• A minimum of $15,000 is required for each injured person;
• A minimum of $30,000 is required as the "coverage maximum" for multiple injured people; and
• A minimum of $5,000 is required towards repairs of damages caused to other people's property.

Liability coverage limits apply per accident and is abbreviated as 15/30/5.

With the above example, let's say you are in an accident and are at fault. Both cars are damaged. Without comprehensive coverage, you would be responsible for your own car repair expenses. If the other drivers repairs were $10,000, and you have covereage up to $5,000, you are responbile the reamining $5,000 of damage. Maybe someone in your car has headaches, back aches or other soft tissue injury and can't work. The medical bills and lost wages could exceeed your $15,000 limits. It is recommended you always get higher auto insurance limits such as such as 100/300/100 or 250/500/100. Also Umbrella Insurance is a great option, and you can get policies up to $2 million for $200 per year.