Do all insurance policies in California have to adhere to the $15,000 minimum for property damage? I was parked and got hit today by someone who is fully at fault. When I inquired about the maximum coverage for property damage, the other party wasn’t sure. California mandates a minimum of $15,000 starting January 1, 2025. Does this mean that his insurance will cover at least that amount? Thank you in advance for your assistance!
do all insuranced in CA have to follow the $15k minimum property damage?
In California, the minimum property damage liability coverage required by law is indeed $15,000, which means that as of January 1, 2025, all insurance policies must have at least that amount of coverage for property damage. If the other party was at fault and their insurance policy adheres to California’s laws, then their insurance should cover your damages up to their policy limits, which must be at least $15,000.
However, it’s important to note that the $15,000 minimum is just that—a minimum. The actual coverage limits can be higher than that, and it’s possible that the other party has more coverage. If they’re uncertain about their limits, it’s a good idea for you to follow up and request that information, as their insurance company can provide the specific details of their policy.
In the meantime, document any damage to your vehicle and any related expenses, as you’ll need this information for your claim. If their coverage isn’t sufficient to cover your damages, you may need to explore other avenues for reimbursement, such as your own insurance, if applicable.