Do all insurance policies in California need to comply with the $15,000 minimum for property damage? My vehicle was hit today while it was parked, and the other driver is entirely at fault. I inquired about their property damage coverage limit, but they were unsure. Since California has established a minimum of $15,000 starting January 1, 2025, does this mean that their insurance will cover at least that amount? Thanks for your help!
do all insuranced in CA have to follow the $15k minimum property damage?
Yes, in California, as of January 1, 2025, the minimum liability coverage required for property damage is $15,000. This means that all insurance policies issued in California must at least provide this level of coverage for property damage caused by the policyholder.
Since the other party is at fault for the accident, their insurance should cover the damages to your vehicle up to their policy limits. If their liability coverage is indeed $15,000 or more, then they would be responsible for covering at least up to that amount. However, if their policy has a lower limit, you may have to negotiate for any remaining costs if your damages exceed that limit.
It would be a good idea to ask the other party’s insurance company directly to confirm their coverage limits. You may also want to contact your own insurance provider for assistance with the claim process.