California Car Insurance: How Much is Needed?

Buying Car Insurance in California

This guide explains liability and property damage coverage, key for California drivers.

Liability Coverage

  • What it covers: Bodily injury and property damage you cause to others in an accident.
  • California requires: Minimum limits ($15,000/$30,000/$5,000), but higher limits (100/300/100) are recommended.
  • Applies when: You are legally responsible for the accident.

Property Damage Coverage

  • What it covers: Damage you cause to another person's property (e.g., fences, vehicles).
  • California requirement: Not mandatory, but highly recommended and inexpensive.
  • Applies when: You cause property damage, regardless of fault.

Key Differences

  • Liability: Pays when you are at fault.
  • Property Damage: Pays regardless of fault.

Tips for California Drivers

  • Increase liability limits.
  • Add property damage coverage.
  • Maintain a good driving record.

Important Notes:

  • Liability claims can be very expensive.
  • Uninsured motorist coverage is crucial.

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