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What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles (California Insurance Code §11580.1b)?
•$15,000 for injury/death to one person.
•$30,000 for injury/death to more than one person.
•$5,000 for damage to property.
Liability insurance compensates a person other than the policy holder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.
What Are the Types of Financial Responsibility?
•Motor vehicle liability insurance policy.
•Cash deposit of $35,000 with DMV.
•DMV-issued self-insurance certificate.
•Surety bond for $35,000 from a company licensed to do business in California.
For information regarding cash deposits or self-insurance, contact the DMV Financial Responsibility Unit at (916) 657-6520.
What Are the Consequences of Driving a Vehicle With Suspended Registration?
In addition to the vehicle registration suspension, you may:
•Have your vehicle impounded.
•Be personally liable for damages, if you are involved in a collision.
What steps can I take to reduce my CA Automotive Insurance rates? A car insurance company in California may often discount their rates in order to encourage good driving practices and the use of safety and security precautions.
Depending on the California insurance company, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and sometimes it’s simply worth some peace of mind.
For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority.
Insurers generally offer discounts for: Safety Features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts. Defensive Driving Clean violation record, driver’s education courses for teenagers and defensive driving or accident prevention courses for adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive disabling devices. Changing The Driving Habits Try commuting by public transit, using a company vehicle for work-related travel and car-pooling.
California’s population has reached 37,700,000 and growing, making it the most populated state, and is the 13th fastest-growing state. This includes a natural increase since the last census of 1,909,368 people (that is 3,375,297 births minus 1,465,929 deaths) and an increase due to net migration of 774,198 people into the state. Immigration from outside the United States resulted in a net increase of 1,724,790 people, and migration within the country produced a net decrease of 950,592