Liability Coverage
Ensure That You’re Insured
Bodily injury and property damage liability is the part of an auto policy that responds when you are at fault in a crash. Bodily injury liability may help pay others’ medical costs and lost wages, while property damage liability may help repair or replace their vehicle or property, up to your limits. California requires it of every driver.
Components of Liability Coverage
What does it cover?
- Bodily injury liability: may help cover others’ medical costs, lost wages, and related claims when you are at fault.
- Property damage liability: may help pay to repair or replace another person’s vehicle or property.
- Related legal defense costs are often included if you are sued over a covered accident.
Who needs it? Every California driver needs liability coverage. As of 2026, state minimum limits are 30/60/15, which took effect January 1, 2025. Because a serious crash can cost far more than the minimum, many drivers carry higher limits to help protect their savings.
