Drivers in California are mandated to have auto insurance coverage that fulfills the state’s set coverage standards. California employs a fault-based system in car accidents to ascertain who is responsible for the damages. Each car insurance policy should cover individual bodily injury, total accident bodily injury, and property damage. The baseline coverage values are $15,000, $30,000, and $5,000, respectively. Additionally, it’s advised for drivers to include underinsured/uninsured motorist protection in their primary insurance package.
Should an accident happen, the driver at fault is responsible for covering the damages. The victim can lodge an insurance claim against the driver at fault’s insurance. Addressing the claim involves various steps and formalities. One of the paramount steps in dealing with car accident claims in California is the obligation to report the accident. If an accident leads to injury, fatality, or significant property damage, drivers must notify the authorities by dialing 911. Furthermore, regardless of the critical details of the accident circumstances, drivers must inform their insurance carriers.