English/Español ☰ ˟
English/Español
Quote Valley Insurance
(855) 547-8683
  • Coverage
    • Covered CaliforniaImage of right arrow
      • Covered California Renewal
    • MedicareImage of right arrow
      • Medicare Renewal
    • Health
    • Dental
    • Vision
    • Automobile
    • Homeowners
    • Business
    • Life
  • Quotes
  • 1095A/3895 Form
  • Blog
  • About
    • About Us
    • Contact Us
    • Our Offices
    • Our Reviews
    • Policy Review Request
Home > Blog > Is Full Coverage Car Insurance Required by Law?
WEDNESDAY, NOVEMBER 25, 2020

Is Full Coverage Car Insurance Required by Law?

a car driving on a road covered in autumn leaves

Car insurance requirements are dictated by state law as opposed to federal law, meaning your car insurance requirements may vary depending on where you live. In general, however, states don’t require drivers to carry full coverage car insurance.

Instead, most states require drivers to carry a minimum amount of liability insurance and cover coverages specific for that state. California drivers, for example, are required to carry at least:

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability
  • 15,000/$30,000 in uninsured motorist liability per person/per accident

This doesn’t mean that this is the only coverage available, however. You can purchase higher limits of liability insurance as well as additional coverages. In fact, additional coverage is often recommended.

Do I Need Full Coverage Car Insurance?

Although full coverage car insurance isn’t required by law, this doesn’t mean you don’t need it. Most dealerships will require you to carry full coverage auto insurance on a new vehicle after purchase. As long as you have a loan on your vehicle, you will likely have to carry some form of full coverage auto insurance.

Even without a requirement, full coverage car insurance is recommended. Liability on its own will only cover damages and injuries you cause to someone else. It will not cover damages to your vehicle or injuries you and your passengers may suffer.

What is Full Coverage Car Insurance?

Full coverage car insurance refers to the highest amount of coverage available for a single vehicle. These policies generally include:

  • Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and more.
  • Collision Coverage: Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
  • Liability: Liability insurance covers bodily injury and property damage you may cause to someone else. This insurance covers the victims’ medical bills and property damages as well as protecting you in case of a lawsuit related to the accident.
  • Medical Payments: Medical payments coverage covers medical bills you and your passengers may suffer after an accident, no matter who caused the accident.
  • Uninsured/Underinsured Motorist: This insurance covers damages and injuries that occur in an accident involving another driver who is not carrying insurance.

Every driver’s car insurance needs may be different, so be sure to speak with your insurance agent about insuring your vehicle.

Get a Quote

Posted 10:41 AM

Tags: auto insurance, car insurance, full coverage car insurance
Share |


1 Comments

anyingedan said...
what insurance detail cars?
FRIDAY, DECEMBER 25 2020 3:54 AM

Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2017
  • 2016

  • covered california(7)
  • health insurance(4)
  • car insurance(3)
  • auto insurance(3)
  • medicare(3)
  • healthcare(1)
  • medi-cal(1)
  • coverage(1)
  • california(1)
  • medicare coverage(1)
  • comprehensive trucking insurance(1)
  • covered(1)
  • full coverage car insurance(1)
  • quote valley insurance(1)
  • insurance(1)
  • home health care(1)

View Mobile Version

Allied Insurance

Blue Cross Blue Shield
 
Progressive
Covered California
Travelers
United Healthcare
Home| Get A Quote| Blog| About Us| Contact
840 W Olive Ave, Suite E | Merced, CA 95348
P: 855-547-8683 | F: 209-340-0147 | INSURANCE@QUOTEVALLEY.COM

The website is owned and maintained by Quote Valley Insurance, which is
solely responsible for its content. This site is not maintained by or affiliated
with Covered California, and Covered California bears no responsibility
for its content. The e-mail addresses and telephone numbers that appear
throughout this site belong to Quote Valley Insurance and cannot be used
to contact Covered California.


Facebook Google
Quote Valley Insurance

Powered by Insurance Website Builder