California law requires all vehicle owners have the insurance that provides coverage for personal injury and property damage coverage.
In the state of California's request for minimal coverage for personal injuries is $ 15,000 per person injured in an accident, and 30,000 U.S. dollars for all persons injured in an accident.
The required minimum coverage for property damage is $ 5,000 for damage to or destruction of property of others in aAccident.
Voluntary insurance can be insured motorist coverage. If the insured makes this choice, the actual coverage will be purchased than the amount of coverage required in personal injury. If the insured buys more than the required amount of coverage of injury, underinsured motorist coverage can be purchased in a smaller amount. The state of California is required to offer insurance coverage uninsured motoristany amount exceeding $ 30,000 for personal injury in an accident and $ 60,000 for all persons involved in an accident.
As well, if the insured motorist coverage is purchased, then the policy is underinsured motorist coverage. California requires insurers to offer for the purchase of underinsured motorist coverage in an amount equal to those purchased for uninsured motorist coverage. Insurers may, however, offer a greater amount of underinsured motoristCoverage than the insured motorist coverage is actually purchased by the contractor.
California requires liability limits of 12/30/5 which is $ 20,000 for injury to person and U.S. $ 30,000 representing the coverage for personal injury by accident, they pay for medical expenses and lost wages. The last number 5 is $ 5000 for coverage of damage per accident to pay for the repair and / or replacement of property damaged or destroyed other than the contractoryour vehicle.
Personal Injury Protection (PIP) and No-Fault Coverage are not required by the state.
The addition of collision coverage, and full insurance, insurance is optional in California.
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