California Car and Motorcycle Insurance Law

Financial responsibility is required. A driver involved in an accident who fails to prove existence of financial responsibility at time of accident shall have driver's license suspended for 1 year.

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.

Need more information on state laws? Learn more about the laws where you live.

Note: Our attorneys are licensed to practice law in Pennsylvania, West Virginia, Ohio, Maryland, and Virginia. This information is not intended to solicit clients for matters outside of the states of Pennsylvania, Ohio, West Virginia, Maryland, and Virginia, although if you are injured in an accident, we have relationships with other personal injury attorneys and lawyers throughout the United States.

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