The Patio Expert Pages

Think about how many times a week you get in and out of your car. Undoubtedly this amount is quite familiar to you, as it is something you engage in everyday. Think a bit further and realize how many times you shuttle your kids to and fro or buy groceries. Certainly, with the rising cost of gasoline you have paid close attention to your driving habits. However, when was the last time you checked the validity of your car insurance?

Every state in the United States requires that licensed drivers carry auto insurance, and California is no difference. California auto insurance laws are similar to laws in other states. The minimum level of auto insurance in CA is called "liability insurance."

There are statutory minimum requirements for California auto liability insurance. This requires at least $15,000 minimum coverage for bodily injury for one person in one accident. Additionally, coverage must insure for bodily injuries of every person in one accident up to $30,000. There are also requirements for insuring property damage: $5,000 for any single accident. You may choose to insure for higher amounts, but these are the minimums that are legally required.

All drivers are required to possess proof of adequate insurance coverage at all times. This requirement increases safety for you, your family, and other drivers. If the unfortunate incident of an accident should occur, this requirement helps to ensure that all parties involved have the necessary information to efficiently resolve the situation.

California requires that you carry proof of auto insurance. Failing to have this available so can cause significant problems. Without proof of proper CA auto insurance, you can not register a new vehicle or even renew an existing one. Also, if you are caught without the necessary proof, either by the Department of Motor Vehicles or a police officer, then your registration may be suspended until you are able to provide proof. Losing the right to drive until you resolve this can really be a hardship.

You know now how important it is to have auto insurance in CA. Minimum liability coverage might sound like a lot of money, but many insurance companies currently offer minimum coverage at affordable rates. If you do a little bit of research, you can get insured for a reasonable price - and if you have a good driving record, that price will go down. Ultimately, it's much safer, and much cheaper, to abide by the law and get car insurance. If you get in an accident, you'll save money, and if you drive safely, you'll be a law-abiding citizen.