Insurance Tactics
What’s Really in Your Car Insurance Policy?
Car insurance might not be the most exciting part of driving, but when an accident happens, it becomes one of…
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Understanding Your Policy
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What coverages are included in a California auto policy?
A typical policy bundles separate coverages: liability (pays others you injure), collision and comprehensive (your vehicle), medical payments, and uninsured/underinsured motorist (your injuries when the at-fault driver can't pay). Each has its own limits.
View full FAQDoes my liability coverage pay for my own injuries?
No. Liability pays people you injure. Your own injuries are covered by the at-fault driver's liability coverage — or by your own med-pay and uninsured motorist coverage when theirs falls short.
View full FAQWhat are California’s minimum insurance requirements?
As of January 1, 2025, California requires at least $30,000 for injury or death to one person, $60,000 per accident, and $15,000 for property damage. Those minimums rarely cover a serious injury.
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