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Riverside CA Car Insurance Requirements

Riverside CA Car Insurance Requirements

This article is for informational purposes only, please see our disclaimer for more details.

If you are driving in the Riverside area, you should be aware of what your financial responsibility is in the case of a car accident. In this article, we’ll take a look at how California law determines who is financially responsible for an accident, as well as how this relates to car insurance.

Who’s To Blame?

In any Riverside car accident, California state law determines liability according to a fault system. Drivers are responsible for any damages they cause in an accident. Fault can be partial, so it’s not all or nothing. One driver can be found to be 70% at fault for the accident, making them responsible for 70% of the damages.

Seeking Damages After An Accident

For the injured party in an accident, there are multiple different avenues for seeking compensation for medical costs, lost income, and property damage:

  • Filing a claim with your own insurer
  • Seeking a third party claim through the insurer of the at fault party
  • Filing a personal injury or wrongful death suit

Liability Insurance

Most drivers in Riverside will have liability insurance coverage, with the minimums specified by California state law.

Liability insurance covers anyone injured in an accident involving you or some under your plan, and pays for their medical bills and property damage. If you are driving in Riverside, California state law says you must have the following minimum coverage amounts:

  • $15,000 for death or injury caused by you in an accident
  • $30,000 for death or injury to multiple people
  • $5,000 for property damage

Keep in mind that these are all minimums. In many cases, especially those involving death or serious injuries, the costs will be significantly higher. If you only have minimum liability coverage, you’ll have to pay for all of the costs not covered by your plan. That’s why it’s always a good idea to get coverage that goes beyond minimum costs, to protect you in worst case scenarios.

Liability insurance also covers any of your family members who are listed on the plan, as well as anyone you have given permission to drive your car. It also covers you if you are involved in an accident while driving a rental car.

Additional Insurance Coverage

And keep in mind that liability insurance is to cover those injured in an accident by you. It does not cover your medical bills or property damage. For that, you’ll need additional coverage, such as collision insurance. This covers you in the event that you are injured but unable to seek damages from another party.

Although most drivers in the Riverside area will be insured, not all are. You may want to consider additional insurance in case you are involved in an accident with an uninsured driver. This will cover your bills if you are unable to seek damages from the at-fault driver.

Other Ways Of Meeting Financial Responsibility Requirements

Getting the right insurance is the best way of meeting all of the financial responsibility requirements for driving in the Riverside area. However, there are a few other ways you can meet these requirements.

  • Deposit $35,000 in cash at the DMV
  • Buy a $35,000 surety bond from a licenced issuer in California
  • Get a self-insurance certificate at the DMV

Although some drivers may prefer one of these options, they are a bit more expensive than buying traditional insurance.

Reach Out To An Experience Riverside Auto Accident Lawyer

If you’ve been in an accident and are unsure about your coverage and what your rights are, contact an experienced car accident lawyer in Riverside. At Montgomery Steele, we have years of experience fighting to win our clients maximum compensation.

Contact us to today if you have a question about your claim, or fill out our free case evaluation form.

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