![]() In big cities like Los Angeles, where sports cars and luxury models are common, this may not be a risk you want to take. However, it’s a good idea to go beyond state minimum liability limits since accident claims can easily exceed these amounts.įor example, if you’re in an accident and the other driver’s car repairs total more than $5,000, you’ll have to pay the difference out of your own pocket. California allows even lower limits for people who can’t afford standard insurance, too.
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