According to a review of the California Department of Insurance Automobile Insurance Manual done on February 8, 2008 - the minimum car insurance requirements are as follows:

• Minimum liability for death or injury per person is: $15,000
• Minimum liability for all persons in any one accident: $30,000
• Minimum liability for property damage in an accident: $5,000

Discussion of other coverages can be decided upon after visiting with your California insurance agent in order to make an informed decision.

Some optional auto insurance coverages you might discuss with your California insurance agent may include, but are not limited to:

• Uninsured / Underinsured Motorist – This coverage provides liability insurance when the party at fault does not have the state required minimum liability coverage or the coverage carried by the at fault party is not sufficient to cover injuries or property damage sustained in the accident.
• Medical Payments – A “no fault” coverage which provides for the payment of medical and similar expenses. “No fault” means the coverage pays out regardless of who is at fault for the accident.
• Physical Damage (Commonly referred to as “Deductibles”) – The cost of repairs or the fair market value of the vehicle.

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