Accident Insurance

California Accident Insurance

In the state of California a driver is required to carry a policy that includes bodily injury coverage and property damage coverage for their California accident insurance. If these requirements are not followed a driver faces stiff penalties in the way of fines, jail time or suspended license especially in the event of an accident.

California accident insurance laws require the minimum coverage for bodily injury to be $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident. Also the required minimum coverage for property damage is $5,000 for injury to or the destruction of property of others in any one accident.

California accident insurance optional coverage may include uninsured motorist coverage. If the policy holder decides to purchase this type of coverage, the actual coverage purchased must be at least the amount of the required bodily injury coverage. If the policy holder purchases more than the required amount of bodily injury required by California accident insurance laws, underinsured motorist coverage may then be purchased in a lesser amount. California accident insurance laws do not require insurance companies to provide uninsured motorist coverage in any amount greater than $30,000 per personal injury in any one accident and $60,000 for all persons involved in any one accident.

As well, California accident insurance laws state that if uninsured motorist coverage is purchased, then the policy must also include underinsured motorist coverage. California requires insurance companies to offer for purchase underinsured motorist coverage in an amount equal to that purchased for uninsured motorist coverage. California accident insurance laws also state that insurers may offer a greater amount of underinsured motorist coverage than the uninsured motorist coverage that the policy holder actually purchases.

California accident insurance laws require liability limits of 12/30/5 which represent $20,000 for bodily injury coverage per person and $30,000 for bodily injury coverage per accident which will pay for medical bills and lost wages for someone injured in an accident. The 5 in the numbers of the coverage name represents $5,000 for property damage coverage per accident which will pay for repairs and/or replacement of objects damaged or destroyed including the vehicle other than the policy holder's own vehicle.

Personal Injury Protection (PIP) and No-Fault Coverage are not required to be included in the driver's coverage according to California accident insurance laws. As well, collision coverage and comprehensive coverage (full coverage) is not a requirement for a driver in the state of California.

California accident insurance rates are declining due to growing competition from other sources for insurance including the internet. Drivers can now receive an auto insurance quote online much quicker, and at lower prices, due to the reduction in overhead for the company. Online auto insurance quotes are becoming more frequent with consumers who want better service at lower prices. Many people are switching from traditional quotes from brick and mortar establishments and getting good results.

When searching for California accident insurance online make sure to understand the policy, make sure the company is licensed in the state and that the minimum requirements are met as well as searching foe low rates.