Do all insurance policies in California have to comply with the $15,000 minimum for property damage? My car was hit today while it was parked, and the other party is fully at fault. I asked the driver about his property damage limit, but he didn’t know. California has mandated a minimum coverage of $15,000 starting January 1, 2025. Does this mean that his insurance will cover at least $15,000 for my damage? Thanks for your help!
do all insuranced in CA have to follow the $15k minimum property damage?
In California, as of January 1, 2025, the minimum liability coverage requirement for property damage will indeed be $15,000. This means that if the other driver has the minimum coverage, their insurance should cover up to $15,000 for property damage to your vehicle. However, many drivers opt for higher coverage limits, so it’s possible the other party may have more coverage than the minimum.
Since the other party is at fault, you should file a claim with their insurance company. If their policy is effective and in compliance with California law by that date, they would be required to cover at least $15,000 for the damages to your vehicle. If the damage exceeds that limit, you might need to explore other options for recovering the additional costs, like your own insurance or pursuing a claim against the at-fault driver personally.
It would be a good idea to contact their insurance company directly for clarification on their coverage limits. Also, ensure that you document any damage and keep track of repair estimates to support your claim.