![]() That’s because those amounts are woefully inadequate. It’s a good idea to buy more than your state’s minimum liability requirements. 5 = $5,000 of property damage coverage per accident.30 = $30,000 of bodily injury/death coverage to more than one person per accident.15 = $15,000 of bodily injury/death coverage for one person per accident.For example, to buy car insurance in California, you need to buy at least 15/30/5 in liability coverage. Your state most likely has a minimum liability car insurance requirement. ![]() It also covers the cost of a legal defense, court judgments and settlements. Liability car insurance pays for property damage and bodily injuries when you cause a car accident. Here are the coverage types that you may be required to have. ![]() On top of state laws, if you have a car loan or lease, your lender or leasing company might require additional coverage. ![]() The minimum insurance required will depend on your state. Every state except New Hampshire and Virginia requires car insurance. ![]()
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