California follows a Tort system of Auto Insurance System that means someone must be found to be at fault for causing the accident, and that person and his Auto Insurance Company are actually responsible for all of the damages. The details of a tort Auto Insurance System actually vary from state to state so check with your state insurance regulator for the specifics on your state. You can visit our State Auto Insurance Regulators page for a list of links to all the state insurance regulators websites. It is important to know that California state law requires minimum Auto Insurance System for Bodily Injury Liability coverage of $15,000 per injured person up to a total of $30,000 per accident and Property Damage Liability coverage with a minimum limit of $5,000. This type of California Auto Insurance Basic Coverage is frequently referred to as 15/30/5 coverage. Personal Injury Protection (PIP) in your California Auto Insurance Coverage helps pay for "reasonable and necessary" medical expenses for both you and your passengers. While California state law does not actually require a minimum Personal Injury Protection of Auto Insurance, some insurers will offer this as optional coverage.
In addition, you can also get Uninsured/Underinsured California Auto Insurance System Coverage for any bodily injury caused by an uninsured driver. You can purchase this as an optional California Auto Insurance Coverage for added protection even though California state law does not require this coverage. You should try hard to find you the best California Auto Insurance Rates in all of California even if your driving record is less than perfect or even if you are a high-risk driver. In light of all the statistics on auto theft and auto crashes, you will want to protect yourself and your property. In many states, you have the ability to get a California Auto Insurance Quote and even purchase a policy online.
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