Why Do I Need Uninsured Motorist Coverage?

California law requires that drivers purchase a minimum amount of liability insurance. Liability insurance protects others in the event that the driver causes a crash that results in injuries and/or damages. The minimum liability insurance requirements in California are: $15,000 in coverage for injury or death to one person $30,000 in coverage for injury or death to two or more people $5,000 in coverage for damage to property Drivers may choose to purchase coverage in amounts greater than the minimum coverage. However, the above amounts are the minimum insurance coverage a driver can have and legally operate a vehicle in California. Drivers who do not have the minimum liability insurance coverage can face fines, vehicle registration suspension, and vehicle impoundment.