Comprehensive insurance policy limit data for California. Research coverage requirements, minimum limits, claim statistics, and carrier-specific data used in insurance policy investigations.
Minimum Liability
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UM/UIM
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PIP Coverage
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Fault System
Tort (At-Fault)
Minimum BI Limits
$15,000/$30,000
Per person/per accident bodily injury
Uninsured Motorist Rate
16.6%
Drivers operating without coverage
Average Claim Payout
$21,532
Average auto liability claim settlement
Average Annual Premium
$2,190
Annual auto insurance cost in CA
Don't Settle Blind
Many California defendants carry coverage well above state minimums. Without confirmed policy limit intelligence, plaintiff attorneys risk under-settling cases by millions of dollars.
Multiple Coverage Layers
Primary auto liability, umbrella policies, excess layers, UM/UIM coverage, and employer-provided policies may all be available. Apex Research identifies every source.
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