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California Car Insurance Regulations & Required Coverage
Car insurance is mandatory in California with minimum liability limits of 15/30/5. It is important to maintain the right insurance coverage to protect yourself in the event of an accident. The state follows a tort system but it is still recommended to maintain additional coverage to ensure you are fully covered at all times. California's tort system mandates that the state is required to name a person at fault for causing a car accident. The person named at fault along with their insurance company are then financially responsible for all damages resulting from the accident. Required Coverage All personal vehicles in California require the following liability coverage requirements:
- Bodily Injury
- Property Damage
- Uninsured / Underinsured Motorist Coverage
- Comprehensive and Collision Coverage
- Get a standard liability car insurance policy
- Get a DMV issued self-insurance certificate
- Make a cash deposit of $35,000 with the California DMV
- Post a surety bond for $35,000 from a company licensed to do business in California.
- A document or ID card from your insurance company
- If you are self insured or made a cash deposit, an authorization letter from the DMV
- A California Proof of Insurance Certificate (SR-22)
- Documents showing that the vehicle is publicly owned or leased (as defined in Government Code 811.2)
- Form REG-5085 showing that the vehicle is being registered for the first time and is covered by a commercial policy
- Statement of Facts (REG-256). This provides proof that there is evidence on file with the DMV or Public Utilities Commission pursuant to California Vehicle Code 34630.
- When requested by law enforcement.
- When renewing vehicle registration.
- When the vehicle is involved in a traffic collision.
- Vehicle Registration Suspension (CVC 4000.38) when
- You cancel a policy and do not obtain a replacement within 45 days
- You do not submit insurance information to the DMV within 30 days of initial registration or ownership
- You provide false evidence of insurance to obtain registration
- Traffic Ticket
- Not providing proof of insurance to law enforcement can result in a ticket of $1,000 or more
- Impounded Vehicle
- Financial Liability in an Accident
- If you are contribute to or cause a car accident without maintaining insurance or financial responsibility, you may be held personally liable for damages resulting from the accident