Almost every state has an auto insurance minimum requirement . California is one of the states that has minimum insurance requirements. The state requirements of California are as follows. $15,000 for bodily injury liability; this is the maximum amount that will be paid for one person that is injured in an accident. $30,000 Bodily injury; the maximum amount for all the injuries in the accident. Finally, $5,000 for property injury liability per accident. These coverages are liability coverages which pay the medical bills of the accident victims. Your injuries and vehicle are not covered. These minimum requirements would be far from sufficient if you are in a serious accident.
Therefore, a very basic and often incorrect answer to the wrong question is that auto liability coverage generally follows the driver, while auto physical damage coverage generally follows the vehicle. However, more often than not, you will be asking the wrong question. 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. However, exceptions do exist. In most cases, therefore, the right question to ask would be “Is there insurance coverage under these specific facts?”
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