Insurance Blog

Insurance For an Automobile

California insurance for an automobile will be required whenever someone intends to register and then operate an automobile that is registered in their name out on the highways and byways of the Golden State’s vast countryside. California is the most populous state in the union, and therefore probably has more cars per capita out on the roads in any one time and anywhere else in the country.

This is why it’s so important to have California insurance when operating a car. Unfortunately, there are still people out there who quite often will obtain insurance only for as long as necessary to register a vehicle and then let it lapse. This is why it’s also a good idea to carry enough insurance to account for such an issue should an accident occur that involves an uninsured motorist.

Mandatory minimum coverage levels in the state have been established to ensure that an adequate amount of insurance is carried by each person but that such coverage levels aren’t set so high as to make California insurance prohibitively expensive. Liability coverage comes in at what’s known as a 15/30/5 level. The first number means that fifteen thousand dollars of liability for a body injury be carried.

The second number outlines how much liability body injury coverage is required for all injuries in any one accident. The last number is the amount of property damage liability coverage that will be needed to be kept as part of the insurance policy. In all, these are very of levels. California also does not require personal injury protection and is not a no-fault auto insurance state.

The Golden State also doesn’t require a person to carry uninsured motorist coverage within their policy, but given that there are so many cars on the roads in California (and who hasn’t occasionally watched a freeway chase scene taking place live on their TVs?), it might be a good idea to carry at least a minimal level of such coverage.

California also has a special set of rules for policy limits for those persons who are members of the state’s Assigned Risk pool of drivers. Drivers in that category are allowed to carry 10/20/3 insurance policies, which can help to reduce the cost for drivers who are deemed to be somewhat of a risk.

California insurance for automobile will also depend on the location where the car will be kept and will also depend on a few other factors such as the age and driving history of the person registering the automobile and obtaining insurance and also the desired levels of coverage. Be smart, winning California make sure there is enough insurance on the vehicle.