Auto insurance provides financial protection in the event of an accident. It provides the following coverages:

-Property Coverage: damage or theft of your car.

-Liability Coverage: any bodily injury or property damage to others that you are legally responsible for.

-Medical Coverage: medical expenses incurred by parties involved in an accident caused by you.

In California drivers are required by law to demonstrate proof of financial responsibility to protect victims of automobile accidents. This is known as the California ’s Compulsory Financial Responsibility Law. The minimum amount of financial responsibility required is:

$15,000 for bodily injury to one person

$30,000 for bodily injury to all persons

$5,000 for property damage

These limits apply separately for each accident. There are four ways to prove financial responsibility:

1. A motor vehicle liability insurance policy.

2. A deposit of $35,000 with DMV.

3. A surety bond for $35,000 obtained from a company licensed to do business in California.

4. A DMV issued self-insurance certificate.

The most practical of these ways is to purchase auto insurance as it is relatively easy to secure and afford. You must carry written evidence of financial responsibility whenever you drive and be able to show it to a police officer after a traffic stop or collision.

For an auto insurance quote, please download and complete the auto insurance quotation form here (download PDF form) and fax or return to
us by mail.