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What is Minimum Car Insurance?
Minimum Car Insurance refers to the minimal limits of liability insurance required by your state. It’s basically the minimum limits of liability you can purchase for your car’s insurance. Every state sets their own minimums, check your states minimums allowed before insuring your cars. The first two numbers, such as 15/30, refer to the limits of liability coverage provided for bodily injury and the final 5 refers to the limits of liability coverage provided for property damage. 15/30/5 insurance is the minimum car insurance limits required in the state of CA, check with your local DOI to find out what your State Minimum Car Insurance requirements are.
15/30 coverage for bodily injury means that in the event of an accident, your insurance company will pay up to these limits for injuries you are liable for. The 15 refers $15,000 of coverage per person injured and the 30 refers to $30,000 of maximum coverage for all injured persons. In other words, 15/30 insurance means that you will be financially covered for up to $15,000 per person injured and up to a maximum of $30,000 per accident.
The 5 refers to the amount of property damage that will be covered. The insurance company will pay up to a maximum of $5000 for property damage caused per accident. We strongly recommend that drivers look into carrying at least $10,000 in property damage because is double the coverage and usually costs about a dollar a month more. Also, please keep in mind that liability insurance covers others for what you are liable for and does not cover you, your car, or your passengers. For more information on coverages, please visit our Main Coverage Options page.