Navigating car insurance laws in California can feel overwhelming, but don’t worry—we’ve got you covered. If you’re driving in the Golden State, certain types of car insurance are mandatory. Here’s a breakdown of what you need to stay legal and protect yourself on the road.
1. Liability Insurance: The Must-Have Coverage
California law requires all drivers to carry liability insurance. This protects other drivers, pedestrians, and property if you’re at fault in an accident. It includes:
- Bodily Injury Liability: Covers medical expenses for injuries you cause to other people.
- Minimum required coverage: $15,000 per person and $30,000 per accident.
- Property Damage Liability: Covers damage to someone else’s property, like their car or a fence.
- Minimum required coverage: $5,000 per accident.
Why it matters: Without liability insurance, you can face hefty fines, a suspended license, and even legal action.
2. Proof of Financial Responsibility: The Alternative
California gives drivers the option to prove financial responsibility instead of purchasing traditional car insurance. This can include:
- A $35,000 cash deposit with the DMV.
- A surety bond for $35,000 from a company licensed in California.
- A DMV-issued self-insurance certificate.
Why it matters: While these options exist, they can be more complicated and expensive than traditional insurance for most drivers
3. Optional but Recommended Coverage
Although not required by law, other types of coverage can provide additional protection:
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver without insurance or with insufficient coverage.
- Comprehensive and Collision Coverage: Covers your car in accidents, theft, vandalism, and natural disasters.
Why it matters: While not mandatory, these coverages can save you a lot of money and stress in unexpected situations.
4. What Happens If You Drive Without Insurance?
Driving without the required insurance in California can lead to serious consequences:
- Fines ranging from $100 to $200 for a first offense.
- Suspension of your vehicle registration.
- Impoundment of your vehicle in certain cases.
Why it matters: The risks of driving uninsured far outweigh the cost of maintaining the minimum required coverage.
How Can Lemon Fixers Help Me?
Understanding California’s insurance requirements is essential, but what if your insured vehicle turns out to be a lemon? That’s where Lemon Fixers comes in!
If your car has persistent defects that multiple repairs haven’t resolved, you could be entitled to compensation or a replacement under California Lemon Law. At Lemon Fixers, we’re here to guide you through the process and help you get the resolution you deserve.
Don’t wait—let Lemon Fixers take the wheel and turn your car troubles into peace of mind!
