Purchasing the right level of cover for your vehicle will lead to a problem-free motoring experience that sees you fully protected if you’re ever involved in a road traffic accident. As with every other US state, there are a number of California auto insurance minimums that you are legally obliged to meet before taking a vehicle on the road.
Although California works under a no-fault auto insurance system, the purchase of a policy is still mandatory. In comparison to Tort states, California auto insurance minimums are put into place so a driver can claim from their own policy in the aftermath of a road traffic accident in the safe knowledge that there will be enough protection available to cover bodily injury costs and repairs to the vehicle itself.
California auto insurance minimums also have an inclusion for property damage liabilities. The actual minimum figures are set at £15,000 worth of bodily injury protection per person, $30,000 worth of bodily injury protection per accident (for two or more drivers) and $5,000 worth of property damage liability.
Naturally, it makes more sense to purchase increased levels of protection as long as it is affordable to do so. In addition, there are several policy additions that you may like to consider. Comprehensive insurance, collision coverage and uninsured/underinsured motorist protection are all important add-ons that will supplement your California auto insurance minimums to perfection. With blanket coverage in place, you will rarely be expected to cover additional costs from your own pocket unless a high deductible figure has been agreed on.