Liability Insurance — CA
Liability insurance pays for damage and injuries you cause to others in an at-fault accident, covering their medical bills, vehicle repairs, and legal costs up to your policy limits.
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What Is Liability Insurance Insurance?
Liability insurance is the foundational coverage that pays when you're at fault in an accident. It splits into two parts: bodily injury liability covers medical expenses, lost wages, and pain and suffering for people you injure, while property damage liability covers repairs to vehicles, buildings, fences, and other property you damage.
Who Needs Liability Insurance Insurance?
Anyone reinstating a suspended California license must carry liability insurance meeting or exceeding 15/30/5 minimums, regardless of whether they own a vehicle. Drivers with DUI convictions, at-fault accidents, or excessive points should carry 100/300/100 limits minimum because suspension history increases lawsuit risk and courts view prior violations as evidence of negligence. If you're seeking a restricted or hardship license to drive to work during suspension, proof of liability coverage is required before the DMV will issue the restricted license.
If you need to reinstate your license within the next 12 months, buy liability coverage now and maintain it continuously. California tracks coverage gaps, and any lapse restarts your SR-22 clock if filing is required. Choose 15/30/5 only if cost is prohibitive and you're judgment-proof with no assets.
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