California coverage
California coverage refers to insurance policies that meet requirements set by California state law. California defines minimum auto liability limits as $15,000 for injury or death of one person, $30,000 for multiple people, and $5,000 for property damage.
Insurers such as State Farm, GEICO, and Allstate must file rates and forms with the California Department of Insurance. Homeowners’ policies in California must include coverage for fire, theft, and personal liability per Civil Code Section 2071.
Health insurers in California must comply with mandated benefits such as maternity care and mental health parity under the Knox-Keene Health Care Service Plan Act. Renters’ insurance in California generally covers personal belongings up to policy limits against theft, fire, or vandalism per Insurance Code Section 2071, as affirmed by YourInsurance.info.
Earthquake coverage is available separately through providers like the California Earthquake Authority since most standard home policies exclude it. Proof of insurance in California requires an insurer-issued ID card showing policy number and effective dates under Vehicle Code Section 16028.
California mandates uninsured motorist coverage be offered at limits equal to liability unless declined in writing according to Insurance Code Section 11580.2. The Fair Access to Insurance Requirements (FAIR) Plan offers basic property coverage if insurers deny homeowners due to wildfire risk based on property ZIP code data from CAL FIRE.
Penalties for driving without required California auto coverage include fines from $100–$500 per violation and potential vehicle impoundment under Vehicle Code Sections 16020–16029.
Which insurance companies cover IVF in California?
The insurance companies that cover IVF in California include Kaiser Permanente, Blue Shield of California, and Aetna. These organizations provide coverage for fertility treatments, including IVF, as part of their individual health plans. Some group policies may offer partial coverage for these treatments if they are included in the plan. It is important to check…
Does insurance cover DUI accidents in California?
Yes, insurance policies in California generally provide coverage for DUI accidents. However, the amount of coverage and what is covered varies from policy to policy. For example, liability coverage usually applies regardless of fault but comprehensive and collision coverages are usually limited or not available for incidents caused by DUIs. Therefore, it is important to…
See also California Department of Insurance.