Understanding State of California Auto Insurance Verification Laws


Each and every state has different rules and regulations when it comes to forcing consumers to purchase automobile insurance. Some require you to prove financial responsibility and give you a number of options for doing so while others require you purchase car insurance. The state of California auto insurance verification laws are different than most other states and you should familiarize yourself with what is required before you attempt to purchase a car.

Proving Financial Responsibility in California

In the state of California you do not necessarily have to purchase automobile insurance. You can prove financial responsibility in a number of ways, including the following:

  • Completing a DMV authorization letter, with a cash deposit, to prove you are self insured;
  • Proving your vehicle is owned by a public government entity;
  • Completing a California Proof of Insurance Certificate; or
  • Providing an insurance identification card from your insurance carrier.

The easiest way to satisfy state of California auto insurance verification laws, for the average consumer, is to purchase automobile insurance and present an auto identification card.

Minimum Liability Requirements in California

The state of California has set minimum liability limits that all drivers must carry in order to register a vehicle. Bodily injury liability and property damage liability will pay for medical bills or damages to property you cause if you are responsible for an accident.

State of California auto insurance verification laws require you to carry a bodily injury liability limit of $15,000 per person and $30,000 per accident as well as property damage liability of $5,000 per accident. These limits are, in comparison to claim costs, very low. You should consider increasing them when you purchase coverage.

Other coverage options, like uninsured motorist coverage, underinsured motorist coverage, comprehensive, and collision, are all considered optional. It is important to make purchase auto insurance if you want to satisfy state of California auto insurance verification laws. It's easier than trying to prove any other form of financial responsibility and will ensure you have no problems if you are ever involved in an accident or stopped by police. California law allows offers electronic access to DMV records, including verification of your insurance coverage, so you're better off safe than sorry!

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