How Does California Car Insurance Work?

Car insurance is required for all drivers in the state of California. If you are a driver and do not have insurance, then you are currently driving illegally in the state of California and could be subject to fines or even a temporary loss of driving privileges. Searching for the right auto insurance plan can…
110+ positive reviews from our clients. Average Rating: 4.9
Schedule a Free Consultation
No Recovery | No Fee
highly recommended personal injury attorneys in los angeles
$4,970,000
Million USD
Driver v. Bus Settlement
Driver v. Bus Settlement
$4,750,000
Million USD
Head on Collision
Head on Collision
$4,000,000
Million USD
Motorcycle Accident
Motorcycle Accident
$2,000,000
Million USD
Slip and Fall
Slip and Fall
$1,560,000
Million USD
Slip & Fall
Slip & Fall
$1,000,000
Million USD
Neighbor’s Dog Causes Knee Injuries
Neighbor’s Dog Causes Knee Injuries

How Does California Car Insurance Work?

highly recommended personal injury attorneys in los angeles

Car insurance is required for all drivers in the state of California. If you are a driver and do not have insurance, then you are currently driving illegally in the state of California and could be subject to fines or even a temporary loss of driving privileges. Searching for the right auto insurance plan can feel incredibly overwhelming and, in your search, it is important to understand what plan offers the best coverage in the case of an accident.

California has a minimum policy liability requirement for all auto insurance. This minimum requirement is the 15/30/5 rule. The rule sets forth the minimum amount an insurer must cover for the below:

  • $15,000 is the minimum for injury or death of an individual
  • $30,000 is the minimum for injury or death of more than one individual
  • $5,000 is for property damage

Although these are the minimum requirements for auto insurance coverage, most plans offer a greater amount of coverage for accidents. In addition to the required coverage in the state, most insurance companies also offer additional coverage add-ons that are beneficial in the event of an accident.

Uninsured and Underinsured Motorist Coverage

Although it is illegal to drive without insurance in the state of California, there are still drivers that may do it. Getting in an accident that is the fault of another driver who is uninsured or underinsured can cause serious consequences for a driver that may suffer from a personal injury or property damage as a result of the accident.

An uninsured individual will not be covered with respect to any damage to your vehicle and will not have insurance to provide payment for any medical bills that accrue because of the accident. An underinsured individual may have the minimum requirement that California allows for auto insurance, however that may not be enough to cover the damage done to your vehicle or cover your medical bills. In this case it is good to have an uninsured and underinsured motorist coverage add-on to your insurance plan that way you will be covered in the event of an accident that involves and uninsured or underinsured driver.

Med Pay Coverage

Coverage for medical payments is another type of insurance that can be added to a plan should a driver opt-in. Med Pay insurance has many advantages from covering medical bills and funeral expenses to offering coverage when a driver is outside of their vehicle. If an individual is insured with Med Pay and they are hit or injured by a car while a pedestrian or they are injured while taking public transit, either they or their family members are able to claim damages.

Comprehensive and Collision Insurance

Another additional form of coverage that a driver can opt into is comprehensive and collision insurance. Both of these types of insurance are not required under California law; however, they do have a lot of pros for those that acquire it.

Comprehensive Insurance

This will cover damages that happen to a car outside of an accident. Some of this damage can include, but are not limited to:

  • A tree falling on your car
  • Vandalism or theft
  • Damage from a natural disaster such as a fire or an earthquake
  • Any damage that occurs which is not at the fault of the policyholder.

Collision Insurance

This will cover any accident-related damages that your car may incur. A few examples of situations that are covered are, but not limited to:

  • Colliding with another vehicle
  • Colliding with a pole, or object
  • Colliding with a pedestrian

There are many forms of coverage opt ins to consider when purchasing an auto insurance plan. As a driver in the state of California it is important that you understand your policy before getting into an accident. Contact our experienced team of accident attorneys today to learn more about any legal remedies available to you if you have been involved in an automobile accident.

highly recommended personal injury attorneys in los angeles

We Have Over 40 Years Experience in Employment & Personal Injury Law

Our Team is Comprised of Well-respected Lawyers Who Have Been Involved in Several Multi-Million Dollar Settlements
best personal injury lawyer in LA

Our employment & personal injury attorneys recognize that the individuals we work with are typically going through overwhelming and stressful times in their lives. When an individual hires us, we strive to provide the client with the strong legal representation and effective counsel they need to receive fair and just compensation. Our experienced attorneys are dedicated to helping our clients in their time of need. Our employment & personal injury team is comprised of well-respected lawyers who have been involved in several multi-million dollar settlements, earning us membership in the Million Dollar Advocates Forum®. This further demonstrates our ability to take on complex accident cases.

Meet the Team

What Do Our Clients Say About Us?

highly recommended personal injury attorneys in los angeles
5 star reviewed personal injury and employment lawyers

Wow. This past year was a rough year for me. I was hit by a car while riding my bicycle back in June and then was laid off in November. But Jasmine Jackson, Cory Hernandez and the rest of the team at the Ghozland Law Firm really turned that around for me. Within a day after...

Tanner Gordon

5

-Stars

5 star reviewed personal injury and employment lawyers

I will only refer my friends and family to MICHAEL Ghozland law firm. He settle my case for good amount and I went to good doctors. This is excellent lawyer. Call him if you need help with accidents.

Herrera L

5

-Stars

5 star reviewed personal injury and employment lawyers

I sent a client to Michael and Nathan and cannot express how simple the process was and my client was so happy. It is the only law firm I have ever been able to get ahold of the attorneys directly and cannot explain how great it is to be able to have that service!

Dr. Joseph Fair DC

5

-Stars

5 star reviewed personal injury and employment lawyers

Very professional, excellent lawyers, thanks to them they were able to fix my car 🚗 and win my case, many thanks to Jazmín and Maira, very kind and patient. I highly recommend them. 😊

ana ayala

5

-Stars

5 star reviewed personal injury and employment lawyers

I would like to say what a Awesome Law Firm. I Highly recommend GLF to my family and friends and everyone else. I had a unique case and they worked very hard for me and came THRU. Again thank you for always answering my calls and questions. Special thanks to Mike Ghozland.

Alex Espinosa

5

-Stars

5 star reviewed personal injury and employment lawyers

They have been super helpful and on top of my case. Everyone that I have dealt with at this law firm have taken the and been patient with answering all of my questions and concerns. I highly recommend this law firm.

Dolores Ochoa

5

-Stars

5 star reviewed personal injury and employment lawyers

I was involved in an automobile accident 6 months ago, I didn’t know where to turn. A friend recommended me to Michael Ghozland, I don’t regret it. Michael got me the compensation I deserved, will definitely recommended him to all my family and friends.

Sherrie Rosenberg

5

-Stars

5 star reviewed personal injury and employment lawyers

Good firm that takes care of their clients. I highly recommend them if you need a lawyer. They will treat you like family

Lorie Jackson

5

-Stars

5 star reviewed personal injury and employment lawyers

First time having to need a personal injury attorney. Jasmine and the Ghozland law firm team made it stress free and hassle free. We got a great settlement and I got the treatments I needed. Professional service. I highly recommend them.

Hung T.

5

-Stars

5 star reviewed personal injury and employment lawyers

Experiencing a car accident is horrible and the unexpected twist and turns that follow only get worse and more frustrating very quickly. . We were happy when the Ghozland Law Firm was recommended to us by a good friend after we were hit by a car that ran a red light...

Annette And Bobby O.

5

-Stars

5 star reviewed personal injury and employment lawyers

I sent a client to Michael and Nathan and cannot express how simple the process was and my client was so happy. It is the only law firm I have ever been able to get ahold of the attorneys directly and cannot explain how great it is to be able to have that service!

Joey F.

5

-Stars

5 star reviewed personal injury and employment lawyers

I was hit by a car on freeway which involved four cars and seven injured people. After trying an attorney who didn't return any of my emails and phone calls, I was referred to Ghozland Law Firm by my co-worker. They were such a great team. Very professional and reliable...

Tammy G.

5

-Stars

5 star reviewed personal injury and employment lawyers

Ghozland Law Firm is the law firm I can trust. Excellent attorney, very professional. I highly recommend everyone to this law firm. I'm am completely satisfied with service provided.

Don N.

5

-Stars

5 star reviewed personal injury and employment lawyers

I can't say enough about the expertise of this firm and Jennifer's natural willingness to go above and beyond at every step with the cases she has successfully executed on my behalf. I urge all to use Ghozland for cases that are in their wheelhouse, you'll not be disappointed!

Tony S.

5

-Stars

5 star reviewed personal injury and employment lawyers

I was in a car accident and called the Ghozland Law Firm. Great experience they made everything smooth for me very stress free, Jasmine is awesome she helped me with all the questions I had and was very helpful. Thank you guys for everything you have a great team. Thanks...

Sandra B.

5

-Stars

5 star reviewed personal injury and employment lawyers

Very professional, Michael and Nathan helped me out when I was in a major accident, I needed physical therapy. No more than six months later I was in another accident that aggravated my prior injuries. Non the less the driver was uninsured. I turned to the Ghozland firm...

Jimmy A.

5

-Stars

We Are Proud of the Work We do for Our Clients

highly recommended personal injury attorneys in los angeles
Awards and Recognitions
Ghozland Law Firm AwardsGhozland Law Firm Recognitions
Schedule a Free Consultation
No Recovery | No Fee
highly recommended personal injury attorneys in los angeles

We Stand Up To Greedy Insurance Companies

Get more compensation from your slip and fall injury with expert legal representation
best personal injury lawyer in LA
With over 40 years of experience, we have handled many slip and fall cases. I can provide you with the caliber of legal services that is normally available only to large companies, due to my experience in large-scale litigation that has resulted in awards of millions of dollars on many occasions. In 2014, Michael Ghozland was named “Street Fighter of the Year” by Consumer Attorneys of California in 2014. Because of my outstanding trial record, winning your case will probably mean obtaining a private settlement, with no need to ever step into a courtroom. Insurance companies know my reputation, and most of them would rather settle than face me in a slip and fall lawsuit.