California Car Accident Laws
Oct 7, 2025 | Read Time: 6 minutesWhen you get in a car crash in California, your life is immediately shaped by California car accident laws, whether you know it or not. California car accident laws govern whether you can receive compensation after a crash. These laws also help determine how much you may receive for medical care for your injuries, repairing or replacing your car, and missing days on the job, among other losses. Insurance companies often try to use their deep knowledge of the law against you to reduce or eliminate your payout. That’s where we come in. At the Beliz Law Firm, we bring our extensive legal experience to bear for you and use the law to help you get justice. What Compensation Can You Receive After a Car Accident? The damages you may recover under car accident laws in California fall into three main categories: economic, noneconomic, and, in limited cases, punitive. Economic Damages Economic damages cover things like: Medical damages often go far beyond the initial emergency room visit. Long-term rehabilitation, physical therapy, prescription medications, and surgeries may be required months or years after the crash. In cases involving catastrophic injuries such as traumatic brain injuries or spinal cord damage, the costs can extend for a lifetime. Lost wages include the income you miss immediately and the long-term loss of earning capacity if your injuries prevent you from returning to your previous occupation. Courts and insurers may rely on vocational experts to determine what kind of work, if any, you can perform after the accident. Noneconomic Damages Noneconomic damages include: The impact of an accident on your relationship is often called “loss of consortium.” This refers to the harm your spouse or partner suffers when an accident diminishes companionship, intimacy, and household contributions. In addition, compensation may be available for household services if you can no longer perform tasks such as cleaning, cooking, or caring for children, and your family must hire outside help. Punitive Damages In rare cases involving reckless or intentional conduct, you may also pursue punitive damages designed to punish the wrongdoer. Every case is unique, and the value of your claim depends on the extent of your injuries, the impact on your life, and the available insurance coverage. We work closely with clients to develop a comprehensive picture of how the accident has affected them now and in the future. Who Has to Pay After a Crash According to California Car Accident Laws? Two areas of automobile accident law largely dictate how compensation is awarded after a car crash in California: at-fault insurance and comparative negligence laws. At-Fault System California follows an at-fault system, which means the driver responsible for causing the accident is financially responsible for the resulting damages. Unlike no-fault states, where each driver turns to their own insurance first, the injured party has the right to pursue a claim against the at-fault driver’s insurance in California. Pure Comparative Negligence California also applies the rule of pure comparative negligence. If you are partially at fault, your recovery is reduced by your percentage of fault. For example, if your damages total $100,000 and you are 20 percent at fault, you can still recover $80,000. This system ensures you are not barred from recovery simply because you share some blame. Determining Fault Courts and insurers look at several factors to determine fault. Police reports often carry weight because they document initial observations at the accident scene. Still, they are not the final word. Witness statements, photographs, video footage, and physical evidence such as skid marks or vehicle damage all play a role in reconstructing what happened. Traffic violations can also support a finding of negligence. If a driver ran a red light, was speeding, or was driving under the influence, these violations often establish “negligence per se”, meaning the violation itself serves as proof of fault. Complex cases involving California car accident laws may require expert witnesses, such as accident reconstruction specialists, to explain how the collision occurred. We regularly work with these professionals to ensure that the facts are clear and that fault is assigned correctly. What Are the Car Insurance Laws in California? To understand how you get compensation in California’s at-fault system, you have to dive a little deeper into car insurance laws in California. Minimum Liability Coverage All drivers in California must carry liability, or “at-fault”, insurance. The minimum required coverage is: Our first step as your attorney is to pursue compensation through that insurance. Uninsured/Underinsured Motorist Coverage If you have uninsured/underinsured motorist coverage as part of your car insurance, we can also pursue compensation under that policy. Uninsured/underinsured motorist coverage should provide compensation if the driver who hit you didn’t have car insurance, or if their car insurance doesn’t cover the full extent of your damages. If You Didn’t Have Minimum Liability Coverage at the Time of the Crash Let’s say you were in a crash caused by another driver. You might think that the fact that you didn’t have your own car insurance, like you are legally required to, shouldn’t impact your claim. After all, the at-fault driver is the one whose insurance has to pay, not yours. However, under California law, you are still penalized in a way. If you do not have valid insurance, you may be limited in your ability to recover noneconomic damages, such as pain and suffering, even if the other driver was at fault. This is known as the “no pay, no play” rule. Not being able to recover noneconomic damages can lower the total compensation you receive. What Are Some Ways Insurance Companies Try to Limit Your Compensation? Insurance companies have their own interests, and those interests rarely align with yours. Adjusters may sound sympathetic, but their job is to minimize payouts. Common tactics include: If these sound familiar, reach out to us as soon as possible. At the Beliz Law Firm, we believe you should not have to fight insurance companies alone, especially while recovering from injuries. Once we become your attorney, we handle...
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