Helpful agents are standing by: (213) 290-9179
Press play below to listen to our audio commercial:

Mandatory Car Insurance Laws in California

The time comes in every person’s life when they finally become mature and move out of their parents’ house. At that very time they think about getting their own place, car, job, and car insurance in CA or their respective state. Well, getting independent stuff is good and it shows that they are ready to take responsibility of the stuff they do and they are ready to shift into practical life. But when a person is new to practical life, there are many things that they need to understand and there are many laws that they need to figure out.

Car insurance is no different and it also has some particular laws which require the person who wants to get car insurance to make certain decisions. These laws vary from state to state because different states make different decisions based on different facts. Here are some crucial, essential and important laws that a person needs to know and they need to tackle them when they are planning to get car insurance for themselves. Here is a list.

1.            Get liability insurance in California– The only state that does not require a person to get liability insurance in the United States is the state of New Hampshire. Every state excluding New Hampshire has made it obligatory that a driver must get liability insurance before they can legally step on the road. That is one law that a person shouldn’t forget because if they do, they will be in trouble. If a person gets on the road without liability insurance, not only it will burden them financially but it is also illegal and it can cause blemishes on their driving history.

2.            Meet the state minimum- Every state except New Hampshire has a minimum value that a person has to meet when they are getting liability insurance for themselves. That is because the state knows that when there is an accident, most people have to risk their jobs and their assets in order to pay off the debt. After looking at that fact only did the state government decide that the people who drive on the roads will have to get liability insurance? Not just any liability insurance, a liability insurance that has a minimum value. These values in California go as 15/30/5.

That is because the state requires the people of California to get liability insurance in the following format.

•             $15,000 for bodily injury liability insurance for per person harmed in the accident

•             $30,000 for bodily injury liability insurance for all the people hurt in the accident.

•             $5,000 for Coverage for property damage liability

3.            The denial form- The denial form is not obligatory in most states but it is in California. A denial form is a form that a person getting car insurance in CA has to sign after the deal has been made official. Why? The representative has to offer you uninsured motorist insurance and if you decline the offer you have to sign the form.

This website can help one compare auto insurance quotes in CA! Simply enter your ZIP code in the box at the top to see for yourself.