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California Car Accident Laws: Fault, Insurance, and Your Claim

Independently fact-checked against primary sources (last audited August 17, 2026). · Reviewed by the RecordingLaw editorial team. · Law checked current as of August 17, 2026. · 8 primary sources cited on this page. How we verify our legal content

California Car Accident Laws: Fault, Insurance, and Your Claim

Updates

Corrected the minimum-limits citation (the Insurance Code section cited did not exist), added California's DMV SR-1 crash-reporting duty ($1,000 damage, injury, or death; 10 days) and the 24-hour police report, and narrowed the Proposition 213 exception to the uninsured vehicle owner it actually covers.

Independently fact-checked against the cited primary sources; governing law re-checked for recent changes

Corrected the Prop 213 (Civil Code section 3333.4) discussion to reflect the statute's exception: an uninsured crash victim is not barred from pain-and-suffering damages if the at-fault driver was convicted of DUI.

Governing law re-checked for recent changes

Reviewed and approved by an editor

Sources and References

  1. Cal. Veh. Code section 16056 (minimum liability limits)(leginfo.legislature.ca.gov).gov
  2. Cal. Ins. Code section 11580.1b (minimum limits per SB 1107, 2022)(leginfo.legislature.ca.gov).gov
  3. Cal. Ins. Code section 11580.2 (UM/UIM must be offered, rejectable in writing)(leginfo.legislature.ca.gov).gov
  4. Cal. Civ. Code section 1714 (negligence; basis for pure comparative fault)(leginfo.legislature.ca.gov).gov
  5. Cal. Civ. Code section 3333.4 (Prop 213 — uninsured/DUI driver non-economic damages bar)(leginfo.legislature.ca.gov).gov
  6. Cal. Code Civ. Proc. section 335.1 (2-year personal-injury SOL)(leginfo.legislature.ca.gov).gov
  7. Cal. Code Civ. Proc. section 338 (3-year property-damage SOL)(leginfo.legislature.ca.gov).gov
  8. Cal. Gov. Code section 911.2 (6-month government tort claim deadline)(leginfo.legislature.ca.gov).gov
  9. Cal. Veh. Code section 16000 (SR-1 report to DMV within 10 days; $1,000 property damage, injury, or death)(leginfo.legislature.ca.gov)
  10. Cal. Veh. Code section 20008 (written report to CHP or city police within 24 hours of an injury or fatal accident)(leginfo.legislature.ca.gov)
  11. Cal. Veh. Code section 16004 (license suspension for failing to make a required accident report)(leginfo.legislature.ca.gov)
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