US-California

Vehicles

Accidents, insurance basics, traffic tickets, lemon laws

25 questions

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Insurance Rules

(6)
Does California require uninsured motorist coverage?
Yes, California law requires auto insurance policies to offer uninsured motorist (UM) and underinsured motorist (UIM) coverage, but drivers may reject it in writing.
Is the vehicle owner liable if someone else causes an accident in their car?
Yes, in California, a vehicle owner can be held liable for accidents caused by someone else driving their car under the doctrine of permissive use and Vehicle Code § 17150.
What minimum auto insurance must I carry in California?
In California, you must carry minimum auto insurance of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for property damage.
What happens if I drive without insurance in California?
Driving without insurance in California is illegal and can result in fines up to $500, license suspension, vehicle impoundment, and mandatory proof of future financial responsibility for 3 years.
What are the limits on owner liability for permissive use in California?
In California, vehicle owners are generally liable for injuries caused by permissive drivers under the Vehicle Code's permissive use doctrine, but liability is limited to $15,000 per person, $30,000 per accident, and $5,000 for property damage unless the owner is personally negligent.
Can I sue an uninsured driver who hit me in California?
Yes, you can sue an uninsured driver in California for damages you suffered — but collecting money may be difficult if they have no assets or income.
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Accident Claims

(7)
Does MICRA limit noneconomic damages in auto accident cases?
No, MICRA does not limit noneconomic damages in auto accident cases. It applies only to medical malpractice lawsuits.
What is California's comparative fault rule for car accidents?
California uses a pure comparative fault rule, meaning you can recover damages even if you are 99% at fault — your recovery is simply reduced by your percentage of fault.
What must I do after a car accident under California law?
After a car accident in California, you must stop immediately, exchange information with other drivers, report the crash to law enforcement if there’s injury, death, or $1,000+ property damage, and file an SR-1 form with the DMV within 10 days if required.
Can I sue a drunk driver for punitive damages in California?
Yes, you can sue a drunk driver for punitive damages in California if their conduct was malicious, oppressive, or fraudulent — such as driving with a BAC of 0.08% or higher while knowing it was dangerous.
Are hit-and-run accidents a felony in California?
Hit-and-run accidents in California can be a felony if they involve injury or death; otherwise, they are typically a misdemeanor.
Can I recover diminished value of my car after an accident?
In California, you generally cannot recover diminished value from the at-fault driver’s insurer for a personal-use vehicle, because California law does not recognize diminished value as compensable property damage in third-party claims.
What is the statute of limitations for a car accident lawsuit in California?
In California, you generally have 2 years from the date of the car accident to file a personal injury lawsuit.