What Santa Monica Motorists Should Know About California Car Insurance Laws

As Southern California’s population continues to grow, more and more drivers are hitting the roadways. This means that the risk of being involved in a serious car accident increases and your chance of being injured grows. That is why it is important that all drivers understand the California car insurance laws.

California requires that all drivers possess liability insurance, which will pay for physical injuries sustained by the driver and occupants that are caused by the insured. It will also cover damages to the other vehicle involved in the accident. The law requires that the minimum level of coverage to be $15,000 for medical expenses.

Though, they are not required by California, motorists should consider collision and comprehensive insurance. These will help pay for vehicle damages sustained by the person who may have caused the accident.

What happens when the person who hit you is uninsured or underinsured? Uninsured/underinsured policies are designed to pay for repairs and medical expenses, if you are struck by a motorist who does not have insurance or not enough coverage. However, this coverage is also not required by state law, but highly recommended.

If you or someone you know has been injured in a car accident, you should contact one of our experienced Southern California car accident attorneys at Steinberg & Spencer at (800) 989-6385.