In order to legally drive in California you are only required to carry liability insurance. This coverage pays for damage to another persons car or property in the event of an accident. This will also cover any medical expenses the other car’s passengers may need. The state minimum is expressed with 3 figures. 15-30-5. The 15 represents a 15,000 coverage for injuries to one person. The 30 represents a 30,000 coverage for injuries to all persons and the 5 represents, yes you guessed it, $5000 for any damage done to the other car. Lets think about this. How quickly can 15,000 be spent in an emergency room? How quickly can $5000 worth of damage be done to a vehicle envolved in an accident? If you have the extra money its wise to raise this your coverage up a notch in case of an incident to avoid any lawsuits.
California drivers have a few other optional coverages available. Collision coverage will pay for damages to your car no matter who is at fault. Comprehensive coverage will cover other damages such as vandalism, theft or fire. Personal injury protection will pay for medical expenses for your passengers and you in the event of an accident. Uninsured motorist coverage pays for damages done to you car in the event of a collision caused by an uninsured driver.