Auto Insurance Quote California
Ah, the Golden State… palm trees, swimming pools, movie stars. So okay, you’ve decided you want to mingle with the celebrities and are moving to California. Great! But wait… this is not NYC. You won’t be walking from place to place. While public transportation is pretty good in LA and other large CA cities, you’re going to want your own set of wheels in time. So here’s the basics you’ll need to know…
Auto Insurance Quote California – Who Needs One?
Each driver in California is responsible for injuries to other parties and damages to other’s property under the state’s Financial Responsibility laws. While a driver may opt to self-insure or deposit a cash bond with the state to cover such liabilities, the vast majority of CA drivers rely upon an auto insurance policy.
Auto Insurance Quote California – Is CA a “No-Fault” State?
“No Fault” is a type of insurance system requiring drivers to have Personal Injury Protection (PIP) which provides compensation to the policyholders for their bodily injuries regardless of who is found “at fault” for causing a traffic accident.
Most states don’t adhere to the “No Fault” law and California is no exception. California and many other states have what is known as the Financial Responsibility law which is a fault-based, or “tort liability,” system of automobile insurance. In a fault-based system, insurance companies pay according to each party’s degree of fault.
Under this system, California mandates that drivers carry policies, which ensure compensation for injuries to others, as well as damages to the property of others. Drivers are not required to have coverage for their own injuries or damages of their own vehicle. The primary intent underlying the financial responsibility law is to guarantee that drivers are able to pay for damages they cause others while operating their vehicle and to keep uninsured drivers off the roads.
Auto Insurance Quote California – Minimum Coverage Requirements
Visit our page on California auto insurance requirements for more details. Be sure to get your free quotes for comparison by entering your zip code in the start box on any page within our site.
