Understanding Liability Car Insurance

by | Nov 30, 2022 | Insurance

Car insurance is one of the most common types of insurance in the United States. While in every State automobile insurance is mandatory, the specifics vary. A “fault” system, California law demands a vehicle owner show some proof of financial responsibility before registering it. This takes the form of automobile insurance. In Cathedral City CA, car liability insurance is mandatory.

What Is Liability Car Insurance?

Liability vehicle insurance provides coverage for physical and bodily injury in addition to property damage. The purpose of liability insurance is to provide compensation to others – not the policy owner – who are negatively impacted by the actions caused by you or others covered by the liability policy. These may be:

  • Passengers
  • Other drivers
  • Pedestrians
  • Property

Minimum Liability Car insurance Requirements

Under California law (per California Insurance Code §11580.1b) the amount of car insurance must meet a certain amount. They are divided accordingly:

  • Injury or death to one individual: $15,000
  • Injury or death to more than one individual: $30,000
  • Property damage: $5,000

Proof of having liability insurance must be present in your vehicle every time you use it. If you do not have insurance, penalties will incur.

Automobile Liability Insurance

In Cathedral City CA, the law required you have vehicular liability insurance. The law also demands certain minimum coverage be met. Be sure, you are aware of the legal requirements. Talk to an insurance agent or broker to ensure the car insurance you are considering meets or even exceeds the constraints while offering you the best coverage possible.

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