California Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $5,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. If a person chooses UM, the coverage must be purchased in at least the amount of required bodily injury coverage. If more than the required amount of bodily injury coverage is purchased, UIM can be purchased in a lesser amount. In California, insurance companies are not required to provide UM coverage in amounts greater than $30,000 per person injured in any one accident and $60,000 for all persons injured in any one accident.
• Underinsured Motorist (UIM) Coverage. If UM is purchased, UIM must also be included in the policy. Additionally, insurance companies are required to offer UIM in an amount equal to the amount of UM purchased. They are, however, permitted to offer greater amounts of UIM than the UM actually purchased.