How Auto Insurance Works in California

  • If you drive in California, then you are probably paying for car insurance—it is the law, after all. Nevertheless, not everyone knows exactly what they’re paying for. You could be paying on a car insurance policy for years without really understanding your coverage or how the insurance process works after a crash.

    Most people only learn how auto insurance works after they’ve been involved in an accident. If you need to understand more about how car insurance works, continue reading.

    California’s Minimum Coverage Requirements for Motorists

    Every state has a minimum insurance coverage limit, which is set to ensure that accident damages are covered. California’s minimum coverage limits are listed for you below:

    • $15,000 coverage for bodily injury or death of one person
    • $30,000 coverage for bodily injury or death to two or more people
    • $5,000 coverage for property damage, not including your own vehicle

    The above are the minimum coverage limits; you can pay to get better coverage. The above coverage will not cover your own property damage or your injuries in a vehicle collision.

    What to Do if You’re Injured in a Crash You Didn’t Cause

    Following an accident, you might have injuries and damages, but you may not know how to go about recovering a settlement for your losses.

    If you didn’t cause the crash, you have the right in California to file an injury claim against the other driver’s insurance policy. The reason you have this right is because California is a fault state, which means the person who caused the collision must pay for it.

    Proving the other party was to blame for the accident isn’t always easy, and you will have to prove fault in order to get their insurer to pay you a settlement. A lawyer can help you to prove fault and negotiate for the settlement you deserve for your vehicle wreck.

    Talk with a Lawyer About Your Auto Wreck Today

    Now, you have a better idea of how insurance works, but the process can be a lot to manage. When you’ve been injured in a vehicle crash, you should be focused only on your health.

    Contact a California car accident lawyer from Crowell Law Offices for assistance with your claim. Give us a call at 916-303-2800 or click over to our website to learn more about the auto injury claim process.