California Minimum Insurance Requirement?

Question

Stated from the California DMV website:
The minimum amount your insurance* must cover per accident is:

* $15,000 for a single death or injury.
* $30,000 for death or injury to more than one person.
* $5,000 for property damage.

Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum.

Do I actually need uninsured motorist coverage?

Answer 1

If you are absolutely sure no one is out there driving without insurance, and that they will never hit you, it's a waste of money. Otherwise, having uninsured/under insured coverage is a wonderful idea. And it is usually quite cheap to go above the state minimums, and that's a good idea too. I have mine set at a million.

Answer 2

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RE California Minimum Insurance Requirement?

Stated from the California DMV website:
The minimum amount your insurance* must cover per accident is:

* $15,000 for a single death or injury.
* $30,000 for death or injury to more than one person.
* $5,000 for property damage.

Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum.

Do I actually need uninsured motorist coverage?

Answer 3

YES...do you have any idea how many people are driving in CA without insurance? Probably not.....

But here's something else you need to know about UM/UIM in CA......

If your UM/UIM limits are equal to those of the at fault person, and you are hurt, you are unable to recover damages under your UM coverage. However, if your coverage is HIGHER than the other guys, you can recover up to the difference. For example, the other guy has 15/30 limits, but you have 50/100 UM limits...you can recover, after the offset from the other guy, of 35/70.

And in CA, you are required by law to sign a waiver of UM rejection, so Progressive has done nothing wrong in asking you to do so.

FYI....uninsured/underinsured motorist coverage only applies to bodily injury claims. UMPD (uninsured motorists property damage) applies to your vehicle, up to $3500, if you are hit by a uninsured driver. You can not carry UMPD and Collision coverage at the same time--it's one or the other.

Answer 4

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RE :California Minimum Insurance Requirement?
Stated from the California DMV website:
The minimum amount your insurance* must cover per accident is:

* $15,000 for a single death or injury.
* $30,000 for death or injury to more than one person.
* $5,000 for property damage.

Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum.

Do I actually need uninsured motorist coverage?
Follow 9 answers

Answer 5

Silly question. If you are hit and injured by an uninsured motorist, who is going to cover you? Who is going to pay the hospital bill, and replace your income? By the way, state minimum liability is crappy insurance. If you injure or kill a doctor, that little insurance will do you little good. Even damage a Cadillac and you are in trouble. I carry minimum $1,000,000 just to drive around, and we have $5,000,000 on the car with that gets the most use (the highest exposure).

Answer 6

California has more problems with uninsured motorists than most states and you should have it. Will certainly cause you to have less grief if you do have it and it isn't all that expensive so why not. remember the illegals don't have insurance.

Answer 7

California regulation states you are able to be financially to blame on your moves whenever you stress and for all motor vehicles you own. because of this regulation, California calls for you carry legal responsibility insurance. The minimum limits of legal responsibility insurance accessible to nonetheless be seen "financially to blame" are $15,000 for a unmarried death or damage, $30,000 for death or damage to bigger than one man or woman and $5,000 for sources damage, usually referred to as 15/30/5. you are able to also placed up a bond contained in the quantity of $35,000 to fulfill this requirement. besides the undeniable fact that, save in ideas the first sentence. "The regulation states you are able to be held financially to blame on your moves..." as an party; in case you pick to take a legal responsibility coverage with the "minimum" required limits of 15/30/5 and also you're taking position to do $10,000 in sources damage, your are legally and "financially to blame" for the damage in extra of your coverage limits, meaning you pays the added $5,000 in sources damage. many times if you're a proprietor of a house, or have assetts to guard, you'll pick to take out a coverage that has larger limits of legal responsibility insurance. in case you wish a loose vehicle quote, visit the web web site listed below. wish this enables!

Answer 8

Yes, you need it. When someone hits you it pays for your injuries. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

Take care,
Casey

Answer 9

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Answer 10

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