What is injury liability insurance?

Miranda

Thank you for asking, Miranda.

There are two types of California auto insurance injury liability. One is for the death or injury of a single person, and the other extends the first coverage to take care of the deaths or injuries of multiple people. It isn’t necessary to distinguish them when you go to buy your California auto insurance, though, as both are required. No California auto insurance company will sale you less than the required amount, which is:

• $15,000 for one person
• $30,000 for more than one

However, most California auto insurance companies will suggest a higher level of coverage, and it would be advisable to take their suggestion to mind, considering how much medical bills tend to be. They suggest you get at least $100,000 of liability for one person, and another $300,000 for multiple people.

This type of California auto insurance coverage is the key kind of liability. If you should cause a car accident through your negligence, then the person who is injured in that accident can sue, which is why you need high levels of this type of insurance. If the other driver sues for pain and suffering, or for wages they’ve lost, then you could be out of a lot of money if you don’t have liability California auto insurance coverage.

When you get into an accident, the bodily injury California auto insurance liability applies in a strange way. The first limit, for a single person, is what will apply to each person, but the second is for the entire accident. So, if you get into a car accident and one of the injured’s medical bills come out to $20,000, but you only have the required $15,000 per person California auto insurance coverage, then you will have to pay the difference.

Cheers,

Fashun Guadarrama.

Can I register my car in California but still keep my insurance policy in Las Vegas, Nevada?

Ria

Good question.

The Department of Motor Vehicle states that your car insurance needs to meet the minimum liability requirement by the state of California and it should be issued by the insurance company licensed to do business in the state of California.

The minimum insurance required in California is 15/30/5. This means $15000 for the injury or death per person, $30000 per injury or death to more than one person and $5000 for property damage coverage.

Nevada has a different minimum requirement from CA. The basic coverage in the state of Nevada is 15/30/10. This means that the bodily injury coverage is $15000 per injured person up to the total of $3000 per accident and the property damage liability has the minimum limit of $1000.

Your insurance company is required to report or inform the California Department of Motor Vehicles the insurance information for of all private use vehicle liability policy. Most insurers will not insure vehicles if you move to out of state.

On the other hand, if your insurance company is licensed to do business in the state of California, you can contact your insurance provider on how to go about changing your Nevada insurance policy to California car insurance policy so you may be able to register it in the state of California. It is best to contact the California Department of Motor Vehicles to get more information of getting California car insurance and requirements for vehicle registration.

Goodluck!

MariCAR

What is the minimum liability insurance required for California drivers?

Michael

Thank you for asking.

The state law in California requires all motorist to show proof of financial responsibility. They must show their ability to pay for damages and injuries to others resulting from an accident.

Every driver and car owners are required by the California’s Compulsory Financial Responsibility Law to be financially responsible for all their actions. Here’s the minimum liability insurance requirement in California:

Bodily Injury:

- $15,000 for injury or death of one person per accident
- $30000 for all persons per accident

Property Damage:

- $5,000 per accident

There are ways to accomplish the financial responsibility

1. the coverage by a motor vehicle /automobile liability insurance policy
2. Financial Responsibility (FR) /cash deposit of $35000 with the DMV
3. certificate of self insurance issued by DMV to owners of fleets of more than 25 vehicles
4. surety bond for $35000 obtained from the licensed insurance company in CA

All motorist should have the minimum liability insurance or may have an alternative way to pay for the damages they may cause. Personal injury is not required but its an optional coverage that one might want to buy for reasonable and necessary medical expenses payment for you and your passengers.

Goodluck!

MariCAR