How does auto insurance work in CA?

What is the basic car insurance coverage in California?

Minimum California Car Insurance Coverage

Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.

Does insurance follow the car or the driver?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.

Does my auto insurance cover any car I drive?

Does my auto insurance provide any coverage when I drive someone else’s car? If you are driving someone else’s car, their insurance covers you while you are driving their car, as long as you: … Are not specifically excluded from driving their vehicle.

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Can someone drive my car and be covered on my insurance in California?

As long as a driver has the vehicle owner’s permission to operate the vehicle, the owner’s policy will provide coverage no matter who the driver is. The vehicle owner’s policy should cover injuries and property damage.

What happens if someone wrecks your car and they aren’t on your insurance?

Insurance applies to the vehicle. So, if someone who is not on your insurance plan is driving your vehicle, your insurance still applies in the case of an accident.

How much does car insurance cost per month in California?

On average, full coverage car insurance costs $1,817 per year in California — or $151 per month.

What is considered full coverage in California?

Full coverage insurance in California is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $15,000 in bodily injury coverage per person, up to $30,000 per accident, and $5,000 in property damage coverage.

What happens if someone else is driving my car and gets in an accident in California?

Under California law, California is a “fault” or fault-based state when it comes to car insurance and auto accident claims. … This means that, in most circumstances, if another person is driving your car and causes a collision, your car insurance will provide coverage.

Can you drive someone else’s car without your own insurance?

You do not need your own car insurance policy to drive someone else’s car every once in a while. However, if you frequently drive someone else’s car, you might want to consider getting non-owner car insurance. Kara McGinley is an insurance editor at Policygenius, specializing in home, auto, and renters insurance.

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Can you insure a car that’s not in your name?

You can insure a car that isn’t registered to your name if you’re the primary driver of the vehicle. You can’t get someone else to insure your car (like mum, dad, or your partner) if you’re the main driver.

Do you have to be the registered owner of a vehicle to insure it?

You can get insurance coverage on a car that’s not registered to you. But it’s not all that common. The car must be registered in the owner’s name or the person who holds the title, and the owner’s name must also be included on the car insurance policy. Or, you can get non-owners insurance.

Do insurance companies go after uninsured drivers?

The insurance company will not legally go after an uninsured at-fault driver if you do not carry collision/comprehensive or uninsured motorist coverage. Filing uninsured motorist claims is generally the most successful way to get your expenses covered after an accident with an uninsured driver.