California auto insurance limits provides information which will help you understand the table of liability limits. First number is bodily injury liability maximum for one person injured in an accident. Second number is bodily injury liability maximum for all injuries in one accident. Third number is property damage liability maximum for one accident. So, looking at the table, you find that the minimum liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident. Some states have "no-fault" laws, meaning your auto policy must pay medical bills for injuries suffered in an auto accident regardless of who caused the accident. The laws were enacted in an attempt to reduce auto-injury fraud and keep insurance cost down.

Limits are the maximum amount an insurance company will pay for a covered loss. Though you can choose your limits for certain coverages, some states require you to buy certain levels of auto insurance coverage. In such states, you'll have to choose limits that at least meet your state's auto insurance requirements. The auto insurance coverage pays medical bills and/or funeral expenses if a covered driver and/or accompanying passengers are injured or killed while in an insured vehicle, regardless of fault in an accident. The amount paid by medical payments coverage is capped at the limit you choose when your buy your auto insurance policy. Enjoying the freedom and mobility your vehicle provides is part and parcel of the American dream. California auto insurance limits job is to help you protect that dream.