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California law requires that all car owners to insurance, personal injury and property damage coverage coverage.

In the State of California the required minimum coverage for personal injuries is $ 15,000 per person in one accident and $ 30,000 for all persons injured in an accident.

The required minimum coverage for property damage is $ 5,000 for injury to or destruction of property of others in an accident.

Optional insurance is uninsured motorist coverage. If the policyholder this election, the current coverage purchased must be at least the amount of the required personal injury coverage. If the policyholder buys more than the required amount of bodily injury coverage, underinsured motorist coverage can be purchased in a lesser amount. The state of California does not require insurance, the uninsured motorist coverage in excess of $ 30,000 per personal injury in an accident and $ 60,000 for all persons involved in an accident.

As well, if uninsured motorist coverage is purchased, then the policy is underinsured motorist coverage. California requires insurers to offer for the purchase underinsured motorist coverage in an amount bought that for uninsured motorist coverage. Insurers may, however, a greater amount of underinsured motorist coverage than the uninsured motorist is actually performed by the policyholder.

California requires liability limits of 12/30/5, the $ 20,000 for bodily injury per person and $ 30,000 for bodily injury per accident, pays for medical bills and lost wages. The last number is 5 $ 5,000 for property damage per accident, the costs for repairs and / or replacement of objects damaged or destroyed, not the policyholder's own vehicle.

Personal Injury Protection (PIP) and No-fault coverage are not required by the state.

Adding Collision Coverage as well as comprehensive reports on insurance is optional as they are in California.

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