If you are driving on a California road, you want to be sure that you have proof of insurance with you because failing to do so is as good as being busted by the California Department of Motor Vehicles (DMV). It is also for your own good actually. California liability insurance ensures financial responsibility no matter what your fault is, for any damage or injury caused by an accident in the road.

According to the California Insurance Code §11580.1b, the minimum amount of liability insurance coverage for private passenger vehicles would be $15, 000 for injury/death to one person; $30, 000 for injury/death to more than one person and $5, 000 for damage to any property. The best part of California Liability insurance is that it does not only compensate for the policy holder alone, but it does so also to a person for damage of property or personal injury. Naturally, it goes without saying that you should have higher limits than this, but this is only the minimum amounts that California says you must have.

Please keep in mind that comprehensive or collision insurance is not considered as a vehicle financial responsibility requirement by DMV. It is highly recommended to seek assistance with your agent or broker regarding the adequate liability insurance coverage for every vehicle you possess.

Also, the DMV has not required trailers, off-highway vehicles, Government registered vehicles, and special equipment vehicles to carry proof of liability insurance. If your vehicle is not on this list you better make sure you have proof of financial responsibility with you all the time because if you do not, you can have your driving privileges and registration suspended, your vehicle impounded, and be liable for damages. California liability insurance is for the good and security of everybody driving on the road.