In the state of California, auto insurance is the law. All California state drivers must carry minimum auto liability insurance in the amount of 15/30/5. This means in order to operate a vehicle on California boulevards and freeways, you must carry:
$15,000 of Liability Bodily Injury coverage per person injured
$30,000 of Liability Bodily Injury coverage per accident
$5,000 of Property Damage coverage per accident
Liability auto insurance refers to insurance against loss resulting from civil liability for injury or damage to the persons or property of others. The California Department of Insurance strongly recommends purchasing higher amounts of auto insurance than the legal limits (approximately $100,000 for bodily injury and $300,000 per accident) plus uninsured/underinsured motorist insurance (UM/UIM). More than 18% of all California motorists are uninsured. This type of auto insurance will protect the states insured drivers against the nearly 4.1 million drivers that defy state laws and drive without insurance. Unfortunately, millions more drive with inadequate insurance.
If you decide to drive without auto insurance in The Golden State, you risk losing more than your life savings in the unfortunate event of a car accident. If you are caught driving without insurance in the state of California, your license may be suspended and your vehicle may be impounded (tow and storage will be your financial responsibility). You will have to pay a fine of no less than $100 up to $200, plus any penalties. Multiple convictions will result in fines up to $500, plus license suspension.
Purchasing insurance in California is simple. Sites like Insuredonline.info provide drivers the choice of insurance companies serving their area. The average yearly cost for California automobile insurance is $1,320. Compared with the financial risk and anxieties related to driving without insurance, this is a small price to pay.
