• Explaining the State of California Car Insurance Verification Laws

    The state of California car insurance verification laws are there for the benefit of both the drivers and the authorities.

    California Car Insurance Verification Law

    The best way to demonstrate what the state of California requires in regards to automobile insurance is to list it. The following information is from the Department of Motor Vehicles for California. It has been condensed to demonstrate the easiest ways to fulfill your legal requirements as a driver.

    Bodily Injury

    • $15,000 for death or injury of any one person, any one accident.
    • $30,000 for all persons in any one accident.

    Property Damage

    • $5,000 for any one accident.

    Financial Responsibility

    • Coverage by a motor vehicle or automobile liability insurance policy.
    • Depositing $35,000 with the Department of Motor Vehicles.
    • If you own a fleet of more than 25 vehicles, the Department of Motor Vehicles will issue you a certificate of self insurance.
    • A California licensed insurance company can provide you with a surety bond for $35,000.

    Under California law, you must have at least the statutory limits of minimum liability insurance or an approved substitute to compensate for injury or property damage you may cause. Nonconformity with the law will subject you to extremely harsh penalties. Your license may be suspended, for example.

    You can easily comply with California Car Insurance Laws by buying an auto insurance policy. It is your responsibility to provide liability insurance for any car you own regardless of who is operating the vehicle. It is illegal for cars to be operated without meeting this law.