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This site answers one question per page, in plain English, in the first paragraph. Type a few words below — "rental", "suspended", "windshield", "sell my car" — and jump straight to the answer.
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How the answers are written
Every page on this site starts with the direct answer and keeps the explanation short. Where the answer is California law, the page names the code section; where it depends on your insurance company, the page says so rather than guessing. If your situation has a twist the answer does not cover, a licensed agent can look at your actual policy.
Sources (official)
- California Vehicle Code section 16000 (reporting an accident to the DMV)
- California Vehicle Code section 16028 (proof of insurance, including on a phone)
- California Vehicle Code section 16430 (the 30/60/15 minimum)
Answers are general information about California auto insurance. What your own policy covers is set by its terms and varies by company.
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Is a picture of my insurance card valid in California?
Yes. California accepts evidence of insurance on a mobile device, and the officer may view only that evidence (Vehicle Code section 16028).
Do I have to report an accident to the DMV?
Yes, within 10 days, if it caused damage over $1,000 to any one person's property, any injury, or a death (Vehicle Code section 16000).
What is the minimum car insurance in California?
30/60/15 — $30,000 per injured person, $60,000 per accident, $15,000 property damage (Vehicle Code section 16430).