California has one of the best programs in the nation for low cost automobile insurance programs that ensures every driver has the opportunity to obtain auto insurance. Specific details of the California Auto Insurance Program can be found at www.insurance.ca.gov.

There are actually four different ways to accomplish financial responsibility in California, unlike most states.

(1) You may obtain the minimum coverage listed below with a liability insurance policy

(2) You may leave a cash deposit of $35,000 with the Dept. of Motor Vehicles

(3) You may obtain a certificate of self-insurance for a fleet of 25 or more vehicles

(4) You may obtain a surety bond for $35,000

The California law requires the following amounts of liability coverage that you must maintain when using the option to have minimum coverage with a liability insurance policy: - $15,000 per person for bodily injury - $30,000 per accident for bodily injury - $5,000 per accident for property

Automobile liability amounts can be confusing. Sometimes you will see these numbers as 15/30/05; what does that mean to you as the insured?

The first number (15) is what the insurance company will pay out for each person that is injured in an accident if you are held legally at fault for the accident. The second number (30) is what the total injury payout by your insurance company per accident. The third number (5) is what the insurance company will pay out per accident for any property damage. It is important to remember that the first and second numbers are related. If, for example, you were in an accident and were at fault for that accident and the accident involved 5 people and 4 were seriously injured incurring serious medical costs, a claims battle may happen between you and the other parties. If the medical bills are over $30,000, you can be sued for the remainder of the costs in court if you are the at fault driver.

The next type of insurance that you will see on a quote that is required by law in California under option one is uninsured motorist coverage. This is fairly straightforward. Some states do not require motorists to carry the same insurance as California does. This covers the gap if you are involved in an accident whether you are at fault or not and the other motorist is not insured properly,.

Personal Injury Protection (PIP) is the type of insurance that most no-fault states have. In California, this is not required insurance under option one. The purpose of this insurance is the added security in case that you are in an accident and are unable to work due to those injuries. This type of coverage will cover the gap in employment wages. The cost of this type of insurance is relatively low and you may wish to consider carrying the maximum.

There are other types of insurance that you can purchase and may be required by your lien holder on a new vehicle. Collision is insurance that will cover you when your vehicle has any type of damage or collision. This includes other objects besides autos, as an example a tree falling on your car.

Comprehensive insurance covers the loss of the vehicle or its contents. It will cover loss from theft, natural disasters, and vandalism. The additional expense may be worth it to be covered if your car is parked in places that it may be susceptible to theft or vandalism. The cost of this insurance is drastically reduced if you have security devices on your car,.

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California has a program designed to decrease the amount of uninsured drivers in their state. The California Low Cost Auto Insurance Program assists needy families with obtaining car insurance with rates lower than normal. The theory behind this program is brilliant. California legislature decided that more motorists would buy insurance if it was affordable. How long did it take them to figure THAT out? Needless to say, now California car insurance is cheaper for people who qualify, but there are some downfalls to this program.

California car insurance through this program is only available for one vehicle per household. It also has inadequate coverage, only meeting the state required minimums, and it must be requested through an agent. There are positive outcomes. Now more people have insurance and since they don't want to lose their house because of inadequate coverage, they may be driving cautiously so they do not cause a crash. Minor damages from low impact accidents are now being covered.

California has thousands of beautiful people concerned about their looks. Celebrities, actors, and models often insure their looks, legs or other limbs for millions in case they lose those attributes, thus losing their jobs. People have claimed in court that their looks are needed for employment and they have won these lawsuits. A simple scratch on a cheek or forehead can cost the at-fault driver thousands and sometimes a million or more dollars. Unbelievable, but true. California car insurance minimum requirements will not even come close to satisfying claims such as these.

Beautiful people like expensive cars. Replacing the chrome alone on a high priced vehicle will exceed the California car insurance state minimums. A simple fender bender could cost $20,000. If you don't have any assets or you are a multimillionaire, you may not be worried about higher coverage amounts, but if you have a lot of assets such as stocks, a house, or substantial savings that could be relinquished in a lawsuit you may want to increase your liability amounts.

Living in California is great. You have pristine beaches and gorgeous mountains only miles from each other. The jobs are fun and satisfying and the night life is exciting. The views are breathtaking and the soul can be revitalized in hours from the tranquility of the rural areas. There is something for everyone in California. California has it all. Make sure you don't get it all taken because you didn't have enough California car insurance liability coverage.

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