Individuals who own a vehicle, or will be operating a vehicle, need to make sure that this vehicle has auto insurance coverage before taking it out on the road. The state of California requires vehicles to be registered and have certain amounts of car insurance to financially protect drivers in the event that they are involved in a collision.
Beyond these minimums, you may be wondering if you should purchase additional coverage if you live in a busy city like San Diego, for example. Below, we describe the minimum coverage amounts that are required in CA and some other coverage options you might want to add-on when you live and drive in San Diego.
California Auto Insurance Minimum Coverage
Whether you currently reside in California or are planning a move to the state, you will need to know what car insurance coverage you need to carry. These minimum requirements include:
- $5,000 in property damage liability
- $15,000 per person, $30,000 per accident in bodily injury liability
- $3,500 in uninsured motorist property damage liability
- $15,000 per person, $30,000 per accident in uninsured motorist bodily injury liability
Now these are just the bare minimum amounts that you are obligated to carry, but keep in mind that $15,000 in medical bills is sure to add up fast if you’re seriously injured or if someone else is seriously injured, and your insurance company is only required to pay out up to the limits of your claim.
To recover the rest of your expenses, you’d have to get help from a San Diego car accident lawyer and bring forward a civil lawsuit, which may be overwhelming if you are dealing with a severe injury. For these reasons, if you carry only the minimum auto insurance coverage, you may not have enough car insurance when you live in a city like San Diego.
Additional Coverage You Should Consider Adding as a San Diego Resident
The 805 is a complete nightmare during rush hour times, and San Diego residents will often be caught in stop-and-go traffic, making it a city that is more prone to auto accidents.
If you are living or thinking of living in San Diego, or another bustling city, you may want to add a couple of other types of auto insurance coverage in addition to increasing the limits of your property damage and bodily injury coverages. These include:
- Comprehensive Coverage: if your car is damaged by an act of nature
- Collision Coverage: if you are involved in a wreck
- Gap Insurance Coverage: if your financed car is totaled
- Rental Car Coverage: if you require a rental car while your vehicle is being repaired