California Injury Liablity Insurance

Reader question:

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.