{"id":1037,"date":"2021-10-29T02:05:15","date_gmt":"2021-10-29T02:05:15","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1037"},"modified":"2023-03-08T21:15:23","modified_gmt":"2023-03-08T21:15:23","slug":"car-insurance-work-california","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/car-insurance-work-california\/","title":{"rendered":"How Does Car Insurance Work in California?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Whenever you move to a new state, it\u2019s important to familiarize yourself with any rules, restrictions, laws, and regulations governing your new home. In America, many laws can differ across state lines. Something legal where you came from could land you in big trouble in California, and vice versa. It\u2019s not all about what may land you in jail and what is now legally acceptable.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are also simple rules of the road to follow, including what insurance is now required for driving. In this blog, we will guide you through how car insurance works and the insurance policies required in California.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How California Car Insurance Laws Work?<\/span><\/h2>\n<p><img loading=\"lazy\" class=\"alignnone wp-image-1587 size-full\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_1136674712-1.jpg\" alt=\"car insurance laws\" width=\"1000\" height=\"667\" srcset=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_1136674712-1.jpg 1000w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_1136674712-1-300x200.jpg 300w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_1136674712-1-768x512.jpg 768w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In California, like most other states, a basic form of liability auto insurance is mandatory for anyone that wishes to drive on public roads. You must have this minimum insurance level to operate your vehicle legally and safely. As long as you meet the minimum requirements, you are allowed to drive in California.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To have insurance on your vehicle and comply with state law, you must purchase liability insurance from an approved insurance company. Liability auto insurance covers medical expenses, property damage, and costs associated with any personal injury you may cause during an accident. The minimum coverage is $15,000 per person, $30,000 for all persons injured in a single accident, and $5,000 for property damage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your new insurance needs may be different from the state you just left. Virtually every state requires drivers to have some form of car insurance and also sets minimum amounts. They\u2019re not all the same, though. <\/span><a href=\"http:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/auto101.cfm\"><span style=\"font-weight: 400;\">California requires drivers to carry at least the following auto insurance<\/span><\/a><span style=\"font-weight: 400;\"> coverages:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury liability coverage: $15,000 per person \/ $30,000 per accident minimum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property damage liability coverage: $5,000 minimum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured motorist bodily injury coverage: $15,000 per person \/ $30,000 per accident minimum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured motorist property damage coverage: $3,500 minimum<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Car Insurance Policies Required in California<\/span><\/h2>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-1588\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_726712018-1.jpg\" alt=\"car insurance\" width=\"1000\" height=\"563\" srcset=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_726712018-1.jpg 1000w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_726712018-1-300x169.jpg 300w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_726712018-1-768x432.jpg 768w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In California, all drivers are legally required to carry the minimum liability insurance coverage listed above. This includes bodily injury and property damage coverage and personal injury protection (PIP) coverage. PIP is a type of no-fault insurance that pays for medical expenses and lost wages if you are injured in an accident, regardless of who was at fault.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to the standard liability car insurance, California also mandates uninsured motorist coverage (UM). This type of insurance covers you if you are involved in an accident with an uninsured driver. You can purchase higher levels of UM coverage if you want more protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lastly, all drivers in California are required to carry collision and comprehensive coverage. Collision coverage pays for damages resulting from an accident with another vehicle, while comprehensive coverage pays for damage caused by anything other than a collision, such as theft or vandalism.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Does Insurance Follow the Car or Driver in California?<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In California, it is generally accepted that <\/span><a href=\"https:\/\/bonnicilawgroup.com\/does-insurance-follow-the-car-or-the-driver-in-california\/#:~:text=In%20California%2C%20insurance%20typically%20follows,of%20your%20insurance%20policies%20first.\"><span style=\"font-weight: 400;\">insurance follows the car<\/span><\/a><span style=\"font-weight: 400;\">. However, there are exceptions to this rule; thus, if you plan on temporarily transferring your vehicle or borrowing one from a family member or friend, reviewing your respective policies in advance is highly recommended.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It can be difficult to ascertain whether insurance follows the car or the driver; however, there is a universal answer. If you have permission to operate the vehicle from its owner, their policy will cover damages and injuries regardless of who is driving it. So no matter your situation, you can get comprehensive coverage with just one policy!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Get Your Car Insurance with Pronto<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In California, car insurance is a must. All drivers need liability coverage and some form of uninsured motorist protection to legally drive on the roads. Additionally, collision and comprehensive coverages are also required for most vehicles.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re shopping for car insurance, be sure to <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/agency-locator\"><span style=\"font-weight: 400;\">get a quote from <\/span><b>Pronto Insurance<\/b><\/a><span style=\"font-weight: 400;\">. We\u2019re confident you will see that our coverage is affordable and offers you the protection you need. Get in touch with our team today!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whenever you move to a new state, it\u2019s important to familiarize yourself with any rules, restrictions, laws, and regulations governing your new home. In America, many laws can differ across state lines. Something legal where you came from could land you in big trouble in California, and vice versa. It\u2019s not all about what may &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/car-insurance-work-california\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How Does Car Insurance Work in California?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1590,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"jetpack_featured_media_url":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/03\/shutterstock_2175244659-1.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How does car insurance work in California?<\/title>\n<meta name=\"description\" content=\"The state of California has special rules and regulations in place for car insurance. 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