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…
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Head on Collision
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How Does California Car Insurance Work?

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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.

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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.

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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.

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They did good by me and my kids Got my car fixed and hooked my kids up!! Thanks jasmine.

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After getting being a victim of a hit and run I decided it would be a good idea to look up an injury lawyer. One of my friends suggested me Ghozland Law Firm I gave them a call. Jasmine Jackson was in charge of my case and she did an amazing job helping me through all the...

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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...

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Michael is absolutely amazing, and I could not be more grateful for everything that he did for me. He is kind, attentive, truly cares about the client, and perhaps most importantly he is extremely knowledgable when it comes to the world of Personal Injury. There are a lot of...

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I definitely recommend Ghozland Law firm. I have been a Client for yrs. Michael is extremely patient, cares for his clients, and very good with communicating and Jasmine is the best She goes above and beyond. She is so attentive and caring. She’s the Goat.

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I was involved in a motorcycle and 3 car crash that was caused by some guy with a suspended license and no insurance. This law firm saved my life- literally. Insurance was refusing to help cover anything but my car damage and 3 chiropractor visits. It ended up that I had...

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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.

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I highly recommend the Ghozland law firm. He represented my family after a car accident where multiple injuries were sustained. He made a complex process simple and efficient. It was so nice to just concentrate on recovering and leaving all the rest up to Michael and his...

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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.

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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...

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The Ghozland Law Firm, have done an amazing job, having this to be my first mayor accident they were attentive, helpful and always trying to make it easy as possible. Everyone that works at the firm has been friendly. In addition thank you to Jasmine J. And Michael for all...

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A friend of mine referred me to Michael after I was in a car accident. It was a complicated case that involved several cars. I mostly communicated with Jasmine, who was so kind and helpful. We were immediately able to get medical care and time off from work. They even sent...

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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.