INSURANCE REQUIRED FOR CALIFORNIA DRIVERS TEST DRIVERS

INSURANCE REQUIRED FOR CALIFORNIA DRIVERS TEST DRIVERS

A lawsuit against the at-fault driver can also help injured drivers recoup their losses after accidents. In most situations, a driver can file a claim against an at-fault driver for coverage and then file a claim against his or her own policy if the at-fault driver’s coverage is insufficient. Additionally, driving without insurance coverage means that if your car or personal property requires repairs or replacement after an accident, or if you suffer serious injuries, you will need to pay for those expenses yourself.Īdditionally, insurance coverage can also help those who cannot return to work for some time after an accident. Any driver found behind the wheel without insurance faces fines, demerit points on his or her driver’s license, and possibly harsher penalties. The primary reason for purchasing auto insurance is to avoid incurring legal penalties for breaking the law. Most insurers will allow you to purchase underinsured or uninsured motorist coverage Risks of Driving Without Insurance California has more drivers without insurance than most other states, and if you find yourself in an accident with an at-fault driver who has no insurance, you will need to look to your own policy for coverage. Underinsured/Uninsured Motorist CoverageĪlthough not required by law, purchasing underinsured motorist or uninsured motorist coverage can be very beneficial in California. If your damages are more expensive, it will be up to you to pay the difference.Ĭalifornia drivers who do not wish to purchase insurance coverage may still legally drive, but only after making a cash deposit of at least $35,000 to the Department of Motor Vehicles (DMV), obtaining a self-insurance certificate from the DMV, or purchasing a $35,000 surety bond from a licensed issuer. In the event you are at-fault for an accident, your insurance claim will only cover the limit of your policy coverage. It’s usually best to purchase additional coverage. Remember, these are the bare minimum requirements. At least $5,000 in property damage coverage.At least $30,000 for injuries to multiple people or multiple fatalities.

At least $15,000 in coverage for death or injury.Minimum Coverage in CaliforniaĬalifornia law requires that all drivers secure auto insurance policies that include: California drivers who suffer injuries or other damages from at-fault drivers may file an insurance claim against their own policies if desired, file a claim against the at-fault driver’s policy, or sue the at-fault driver in a personal injury lawsuit. Unlike no-fault states that require drivers to file insurance claims against their own policies after accidents, in fault states, a driver in a fault-based state has more flexible options. California drivers need to make sure their policies offer at least the minimum required coverage, but having minimal coverage can be risky, especially in the event of a serious accident.Ĭalifornia follows a fault rule for car accident claims. Posted in California, Car Accidents on July 17, 2017Īll American drivers require auto insurance to legally drive, and every state has unique insurance requirements for drivers.

Insurance required for california drivers test