California Car Insurance Minimums are Quite Low

The California auto insurance law is set by the different legislation in the state, and is dependent on a variety of factors. California car insurance minimums are quite low and it is important to keep in mind that higher insurance policies can and should be purchased if needed.

The California auto insurance law follows the fact that California is a tort state, which means that every driver is financially responsible for any damage or any personal injury that they may inflict if they are responsible for an automobile accident. Before a driver can drive their car, they must show financial responsibility, and this can be done in a variety of ways.

A bond or cash deposit can be placed through the California DMV with a deposit of $35,000, or the driver can insure their vehicle with the minimum amount of car insurance. The minimums in California for car insurance are $15,000 per person for bodily damage with a total of $30,000 for all involved, and only $5000 for any property damage.

The minimums for California car insurance are quite low, so it is advisable for most drivers to buy extra car insurance over and above the minimums in order to protect themselves and their assets. If you have the financial stability, it is advisable to take out some comprehensive coverage or medical coverage in order to provide some extra protection.