California Automobile Insurance

California is a financial responsibility state

There are four ways to accomplish financial responsibility in the State of California:

  • A cash deposit of $35,000 with the DMV

  • A certificate of self-insurance issued by DMV to owners of fleets of more that 25 vehicles

  • A surety bond for $35,000 obtained from an insurance company licensed to do business in California.

  • Motor Vehicle liability insurance with the following minimum coverage.

          Bodily Injury Liability-split limit 15000/30000
          Property Damage Liability 5000   

California is not a no-fault state and a court may find you liable for damages caused. These can include lass wages, funeral expenses, property damage as well as pain and suffering. The amount you potentially could pay out of pocket is quite high. The Insurance Masters recommend you discuss you particular needs with an established and reputable California Auto Insurance Agent.

The State of California Department of  Motor Vehicles and the Department of Insurance both encourage you to get comparison quotes when making a car insurance purchase.

For specific questions about California Auto Insurance you will find these addresses helpful

State of California
Department of Insurance
Consumer Services Division
300 South Spring Street, South Tower
Los Angeles, CA 90013
California Department of Motor Vehicles
2415 1st Avenue Mail Station F101
Sacramento, CA 95818
800-777-0133

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copyright The Insurance Masters 2008-2010
  providing Auto Insurance Education to consumers