What is the best car insurance for seniors in California?

No, California is not a no-fault state for auto insurance. California is an “at-fault” or “tort” state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident. Additionally, unlike in no-fault states, drivers in California can file lawsuits to seek compensation for even basic medical expenses after an accident.

In typical no-fault states, drivers are required to carry personal injury protection (PIP) insurance to...

You get the insurance check when your car is totaled if you own the car outright at the time of the loss. If you financed your car and still owe money on the loan when it’s totaled, the settlement money will be sent directly to your lender. Any leftover money beyond the remaining balance of your loan will be sent to you.

Getting Your Insurance Check When Your Car Is Totaled

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The car insurance coverage required by California law is a minimum of $15,000 in bodily injury liability coverage per person, a minimum of $30,000 in bodily injury liability coverage per accident, and a minimum of $5,000 for property damage liability.

Bodily injury liability coverage helps pay for another person's injuries in a car accident when you are at fault. Property damage liability coverage helps pay for the other person’s car. Your insurance company pays up to the...