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In California, minimum coverage car insurance requirements are 30/60/15 effective Jan. 1, 2025. ... The last number refers to property damage liability per accident. Importantly, all three reflect ...
Property damage liability coverage pays to repair the damage you cause to others’ property — not your own — in an at-fault accident. Your insurance company will probably write this as a ...
$30,000 of bodily injury liability coverage per accident. $5,000 of property damage liability coverage. Your policy might list these limits as “15/30/5.” Ultimately, having this much liability ...
The first two numbers seen are for medical coverage. In the 100/300 example, the policy will pay $100,000 per person up to $300,000 total for all people. The last number covers property damage. This property damage can cover the other person's vehicle or anything that you hit and damage as a result of the accident.
This type of coverage is meant to prevent the possibility that a motorist will have to pay for medical expenses and property damage to his vehicle as a result of the accident with the underinsured at-fault motorist. The ramifications related to being hit by an underinsured motorist vary by individual state laws. [citation needed]
For automobile accidents in California, a plaintiff must show proof of financial responsibility (California Vehicle Code sections 16000-16078) to claim economical and non-economical damages. [38] Proving the minimum financial responsibility means that a person must be insured by the state's minimum coverage of insurance, which in some cases may ...