According to the California DMV, the minimum liability insurance requirements for private passenger vehicles entails:
- $15,000 for injury or death to one person
- $30,000 for injury or death to more than one person
- $5,000 for damage to property
While these minimums may be adequate for minor car accident injuries, they often do not fully cover more severe/catastrophic injuries or even fatalities. Furthermore, if you’re seriously injured by an at-fault driver who has either no insurance or only basic coverage, you could end up paying out-of-pocket for expenses like medical bills and more. Accordingly, California drivers are strongly encouraged to purchase uninsured/underinsured motorist coverage which will help protect them fully – even in an accident involving a hit-and-run (or when the at-fault driver’s policy is insufficient).