California Car Insurance Requirements

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California Law requires all motor vehicle owners to have insurance which provides Bodily Injury Coverage and Property Damage Coverage.

In the State of California the required minimum coverage for bodily injury is $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident.

The required minimum coverage for property damage is $5,000 for injury to or the destruction of property of others in any one accident.

Optional insurance may include Uninsured Motorist Coverage. If the policy holder makes this choice, the actual coverage purchased must be at least the amount of the required Bodily Injury Coverage. If the policy holder purchases more than the required amount of Bodily Injury Coverage, Underinsured Motorist Coverage may then be purchased in a lesser amount. The State of California does not require insurance companies to provide Uninsured Motorist Coverage in any amount greater than $30,000 per personal injury in any one accident and $60,000 for all persons involved in any one accident.

As well, if Uninsured Motorist Coverage is purchased, then the policy must also include Underinsured Motorist Coverage. California requires insurance companies to offer for purchase Underinsured Motorist Coverage in an amount equal to that purchased for Uninsured Motorist Coverage. Insurers may, however, offer a greater amount of Underinsured Motorist Coverage than the Uninsured Motorist Coverage actually purchased by the policy holder.

California requires liability limits of 12/30/5 which represent $20,000 for bodily injury coverage per person and $30,000 for bodily injury coverage per accident which will pay for medical bills and lost wages. The last number of 5 represents $5,000 for property damage coverage per accident which will pay for repairs and/or replacement of objects damaged or destroyed other than the policy holder's own vehicle.

Personal Injury Protection (PIP) and No-Fault Coverage are not required by the state.

Adding Collision Coverage as well as Comprehensive Coverage to an insurance policy is optional as well in California.

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Texas Car Insurance Requirements

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In regards to car insurance requirements in Texas, you must have a minimum of $15,000 to cover damages an accident causes other property; $20,000 to cover any bodily injury or death of one person per accident; and $40,000 to cover any bodily injury or death of two or more persons per accident. You can meet the Texas car insurance requirements by purchasing a policy from a car insurance company licensed to do insurance business in Texas, or you may want to post a self-bond - set aside enough money to meet the car insurance requirements in Texas.

Self-bonding, or self-insuring, to meet the Texas car insurance requirements does have its advantages. First, you do not have to worry about whether or not it is going to be difficult to get insurance - if you are providing it, it is already there! You also do not have to concern yourself with premiums, making payments on time, or renewal and cancellation in the matter of being self-insured.

When you meet the Texas car insurance requirements with a self-bond or self-insurance, you are also free to purchase additional car insurance coverage from a traditional car insurance company. By keeping your self-insurance stash in mind, you can pick and choose what car insurance coverage you want to purchase.

Self-bonding, or self-insuring, is not actually the most efficient way to meet the car insurance requirements in Texas, but it is an option - an option that many people choose. The most common reason people choose the option of self-bonding to satisfy the Texas car insurance requirements is because they feel they are uninsurable. A bad driving record, a flawed credit report, and a sketchy history of making payments are all factors Texans believe make them uninsurable; however, these are factors that can and do improve in time, and the self-bonded individual may want to switch to a traditional car insurance policy in Texas once these factors have improved.

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California Car Insurance Requirements

Image : http://www.flickr.com

California Law requires all motor vehicle owners to have insurance which provides Bodily Injury Coverage and Property Damage Coverage.

In the State of California the required minimum coverage for bodily injury is $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident.

The required minimum coverage for property damage is $5,000 for injury to or the destruction of property of others in any one accident.

Optional insurance may include Uninsured Motorist Coverage. If the policy holder makes this choice, the actual coverage purchased must be at least the amount of the required Bodily Injury Coverage. If the policy holder purchases more than the required amount of Bodily Injury Coverage, Underinsured Motorist Coverage may then be purchased in a lesser amount. The State of California does not require insurance companies to provide Uninsured Motorist Coverage in any amount greater than $30,000 per personal injury in any one accident and $60,000 for all persons involved in any one accident.

As well, if Uninsured Motorist Coverage is purchased, then the policy must also include Underinsured Motorist Coverage. California requires insurance companies to offer for purchase Underinsured Motorist Coverage in an amount equal to that purchased for Uninsured Motorist Coverage. Insurers may, however, offer a greater amount of Underinsured Motorist Coverage than the Uninsured Motorist Coverage actually purchased by the policy holder.

California requires liability limits of 12/30/5 which represent $20,000 for bodily injury coverage per person and $30,000 for bodily injury coverage per accident which will pay for medical bills and lost wages. The last number of 5 represents $5,000 for property damage coverage per accident which will pay for repairs and/or replacement of objects damaged or destroyed other than the policy holder's own vehicle.

Personal Injury Protection (PIP) and No-Fault Coverage are not required by the state.

Adding Collision Coverage as well as Comprehensive Coverage to an insurance policy is optional as well in California.

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Texas Car Insurance Requirements

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In regards to car insurance requirements in Texas, you must have a minimum of $15,000 to cover damages an accident causes other property; $20,000 to cover any bodily injury or death of one person per accident; and $40,000 to cover any bodily injury or death of two or more persons per accident. You can meet the Texas car insurance requirements by purchasing a policy from a car insurance company licensed to do insurance business in Texas, or you may want to post a self-bond - set aside enough money to meet the car insurance requirements in Texas.

Self-bonding, or self-insuring, to meet the Texas car insurance requirements does have its advantages. First, you do not have to worry about whether or not it is going to be difficult to get insurance - if you are providing it, it is already there! You also do not have to concern yourself with premiums, making payments on time, or renewal and cancellation in the matter of being self-insured.

When you meet the Texas car insurance requirements with a self-bond or self-insurance, you are also free to purchase additional car insurance coverage from a traditional car insurance company. By keeping your self-insurance stash in mind, you can pick and choose what car insurance coverage you want to purchase.

Self-bonding, or self-insuring, is not actually the most efficient way to meet the car insurance requirements in Texas, but it is an option - an option that many people choose. The most common reason people choose the option of self-bonding to satisfy the Texas car insurance requirements is because they feel they are uninsurable. A bad driving record, a flawed credit report, and a sketchy history of making payments are all factors Texans believe make them uninsurable; however, these are factors that can and do improve in time, and the self-bonded individual may want to switch to a traditional car insurance policy in Texas once these factors have improved.

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Texas Car Insurance Requirements

Image : http://www.flickr.com

In regards to car insurance requirements in Texas, you must have a minimum of $15,000 to cover damages an accident causes other property; $20,000 to cover any bodily injury or death of one person per accident; and $40,000 to cover any bodily injury or death of two or more persons per accident. You can meet the Texas car insurance requirements by purchasing a policy from a car insurance company licensed to do insurance business in Texas, or you may want to post a self-bond - set aside enough money to meet the car insurance requirements in Texas.

Self-bonding, or self-insuring, to meet the Texas car insurance requirements does have its advantages. First, you do not have to worry about whether or not it is going to be difficult to get insurance - if you are providing it, it is already there! You also do not have to concern yourself with premiums, making payments on time, or renewal and cancellation in the matter of being self-insured.

When you meet the Texas car insurance requirements with a self-bond or self-insurance, you are also free to purchase additional car insurance coverage from a traditional car insurance company. By keeping your self-insurance stash in mind, you can pick and choose what car insurance coverage you want to purchase.

Self-bonding, or self-insuring, is not actually the most efficient way to meet the car insurance requirements in Texas, but it is an option - an option that many people choose. The most common reason people choose the option of self-bonding to satisfy the Texas car insurance requirements is because they feel they are uninsurable. A bad driving record, a flawed credit report, and a sketchy history of making payments are all factors Texans believe make them uninsurable; however, these are factors that can and do improve in time, and the self-bonded individual may want to switch to a traditional car insurance policy in Texas once these factors have improved.

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