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California Insurance Laws and Regulations

Information on California insurance laws and resources are available through the California Department of Insurance. Consumers can contact the department with questions and complaints about their auto and home insurance. If you have a problem with an auto, homeowners, life, health or title insurance company you can get the forms needed to file a complaint with the Department of Insurance. The state of California no longer makes a summary of complaints filed against insurance companies available to consumers. To find this information you can get a ValChoice report on any company that sells auto and home insurance in California.

Important Laws

A summary of the driving safety laws in the state of California can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of California.

The California Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

California has minimum auto insurance amounts that are required by law. The table below shows the CA minimum car insurance limits.

Resources Available to Consumers

The California Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.