In order to legally drive a vehicle in the state of California, operators must carry a minimum amount of insurance coverage. These “minimum limits” are $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property.
For qualified drivers, the California Low Cost Auto Insurance Program offers a policy with limits up to $10,000 per person in case of bodily injury or death, up to $20,000 per accident in case of bodily injury or death, and up to $3,000 for property damage.
What do these coverages mean? The first number in 15/30/5 or 10/20/3 is the amount of medical liability coverage a drivers has for one person injured by him/her in a vehicle accident. The second number is the total coverage offered for any one occurrence, no matter the number of people injured. The third number is for property damage, or damage incurred through the fault of the driver covered.
We are all aware of the cost of medical care these days, and even slight damage to the newer luxury cars ubiquitous to many areas in Southern California can easily run into the high four figure range. So it is always smart to consider the highest coverages your budget will allow. Remember that anything not covered by your insurance policy is your responsibility.
As always, talk things over with your insurance professional to see that you have as much protection as possible.