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. car cr...