Why Do I Have to Meet California’s Minimum Auto Insurance Coverage?

Understanding why you need state minimum coverage is essential for every California driver. Navigating auto insurance requirements can be confusing, especially if you’re new to the state or shopping for coverage. Here’s what you need to know about California’s auto insurance laws.

What Are the State Minimums in California?

California requires all drivers to carry auto liability coverage, which is designed to cover bodily injury or property damage you may cause to others in an accident. The state sets minimum dollar limits for these situations. While these limits meet legal requirements, you can increase your liability coverage for added financial protection.

Why Does California Require Minimum Coverage?

State law requires drivers to maintain minimum liability coverage to ensure they can pay for third-party losses. Without these requirements, victims could be left with unpaid expenses, and drivers might face significant financial consequences.

What Happens If I Don’t Have the Minimum Coverage?

Driving without at least the state minimum coverage can result in fines, license suspension and even having your vehicle impounded. You could also be held personally responsible for damages if you’re involved in an accident without insurance.

How Goal Auto Insurance Services Inc. Helps California Drivers

Our team helps drivers in Modesto, CA navigate state requirements and find coverage that meets their needs. We will assess your current coverage to ensure it complies with local laws and recommend any necessary improvements. We’re here to assist you if you need to file a claim and offer support as your circumstances change.

Contact Goal Auto Insurance Services Inc. today if you have any questions about California auto insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.