In the city of San Luis Obispo, drivers are legally required to carry auto insurance. When an auto accident results in injury and the medical needs are over limit of coverage, the at-fault driver may find themselves forced to pay out of pocket for any medical costs incurred by the victim.
In the state of California, drivers must carry at least bodily injury liability coverage in the amount of $15,000 per person and $30,000 per accident, property damage liability coverage in the amount of $5,000, and uninsured motorist bodily injury coverage at $15,000 per person and $30,000 per accident. Additionally, drivers must maintain uninsured motorist property damage coverage at a minimum of $3,500.
When a driver in San Luis Obispo is found to be at fault in an auto accident where another person is injured, the driver’s insurance coverage will protect them against having to pay for medical expenses and property damage. At times, the injuries of another person will require medical care that result in bills in excess of the at-fault driver’s insurance coverage. When medical needs are over limit of coverage, the at-fault driver can be sued for compensation in civil court.
Any driver who is able to afford to do so should carry more than the minimum amount of insurance coverage required by law to protect themselves and their assets should they be found to be at-fault in an auto accident resulting in injury or damage.