Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.
It’s often the case that the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less the deductible. Many people with older cars decide not to purchase any physical damage coverage.
Related FAQs
An SR-22 is a certificate a court or the DMV may require to confirm you carry the state minimum. Ask us if you have been told you need one. ...
As of January 1, 2025, the minimums are 30/60/15: 30,000 dollars per injured person, 60,000 dollars per accident, and 15,000 dollars for property damage. Higher limits are often worth ...
It is not mandatory, but many California drivers add it because it may protect you when an at-fault driver has little or no insurance.
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