How Does Car Insurance Work in California?

As a driver, you’re likely well aware that you need to carry an insurance policy to legally be on the road. But how does car insurance work in California? Are there certain requirements you must meet? And whose insurance is supposed to pay if another driver injures you in an accident?

The attorneys at Haffner Law want to help you answer these questions and more as you pursue the compensation you deserve for your car crash. To help, we’ve highlighted some information you need to know below.

California Is a ‘Fault’ State

California operates under a “fault” system for auto insurance. Put simply, this means that, in the event of an accident, the at-fault driver or his or her insurance company must cover the damages of any injured drivers.

This is opposed to the system used in many other states, which operate under a “no-fault” system. This system allows car accident victims to file a claim with their own insurers, regardless of whose fault the accident was.

Minimum Policy Requirements for California Auto Insurance

California maintains certain legal requirements you must follow in order to legally operate a vehicle. In California, the only type of policy you are required to carry is liability insurance. However, you must meet certain minimums for different types of incidents.

These minimum policy requirements are as follows:

  • A $5,000 minimum to cover you in the event of property damage
  • A $15,000 minimum to cover you in the event of injury or death to one person
  • A $30,000 minimum to cover you in the event of injury or death to two or more people

Contact a Lawyer

If you are wondering about California’s car insurance rules as you pursue compensation for your car accident, Haffner Law is here for you. Give us a call today at 1-844-HAFFNER (423-3637) or fill out our online contact form below to schedule a consultation with a car accident lawyer.

San Francisco

1 Sansome Street, Suite 3500
San Francisco, CA 94104

Los Angeles

445 S Figueroa St #2325,
Los Angeles, CA 90071

213-514-5681 | 844-HAFFNER

FAX: 213-514-5682
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