alifornia Law requires all Coverage may then be purchased in
motor vehicle owners to a lesser amount. The State of
have insurance which California does not require
provides Bodily Injury Coverage insurance companies to provide
and Property Damage Coverage. Uninsured Motorist Coverage in
any amount greater than $30,000
In the State of California the per personal injury in any one
required minimum coverage for accident and $60,000 for all
bodily injury is $15,000 per persons involved in any one
person injured in any one accident.
accident and $30,000 for all
persons injured in any one As well, if Uninsured Motorist
accident. Coverage is purchased, then the
policy must also include
The required minimum coverage for Underinsured Motorist Coverage.
property damage is $5,000 for California requires insurance
injury to or the destruction of companies to offer for purchase
property of others in any one Underinsured Motorist Coverage in
accident. an amount equal to that purchased
for Uninsured Motorist Coverage.
Optional insurance may include Insurers may, however, offer a
Uninsured Motorist Coverage. If greater amount of Underinsured
the policy holder makes this Motorist Coverage than the
choice, the actual coverage Uninsured Motorist Coverage
purchased must be at least the actually purchased by the policy
amount of the required Bodily holder.
Injury Coverage. If the policy
holder purchases more than the California requires liability
required amount of Bodily Injury limits of 12/30/5 which represent
Coverage, Underinsured Motorist $20,000 for bodily injury
coverage per person and $30,000
for bodily injury coverage per Personal Injury Protection (PIP)
accident which will pay for and No-Fault Coverage are not
medical bills and lost wages. The required by the state.
last number of 5 represents
$5,000 for property damage Adding Collision Coverage as well
coverage per accident which will as Comprehensive Coverage to an
pay for repairs and/or insurance policy is optional as
replacement of objects damaged or well in California.
destroyed other than the policy
holder’s own vehicle.
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