Frequently Asked Questions
Everything you need to know about auto insurance in California.
What happens if I’m in an accident with an uninsured driver?
Your uninsured motorist coverage kicks in. Without it, you’d have to pay out of pocket or sue the at-fault driver (who likely can’t pay). This coverage is essential protection.
What auto insurance coverage is required in California?
California requires minimum liability coverage: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage (15/30/5). However, these minimums may not be enough — we recommend higher limits.
What is uninsured motorist coverage?
Uninsured/underinsured motorist coverage protects you when the at-fault driver has no insurance or insufficient coverage. In California, about 15% of drivers are uninsured, making this coverage highly recommended.
Do I need collision and comprehensive coverage?
If you have a car loan or lease, your lender will require both. Even without a loan, collision covers accident damage to your car, and comprehensive covers theft, vandalism, weather, and animal strikes.
Still Have Questions?
The team at California Car Insurance Pros is happy to help. Get a free quote or call us today.