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| California Auto Insurance |
General facts
In the United States, the state of California may have its many detractors, but one thing is certain, when it comes to California auto insurance, it is probably the most thriving state in the United States.
The state of California offers minimum low-cost auto insurance coverage in the United States and arranges special plans for citizens struggling to meet those requirements as well. Additionally, California will not encourage its citizens to carry personal injury insurance coverage, placing California as one of the cheapest states to maintain auto insurance.
Minimum Required Coverage
Current minimal insurance coverage in California is:
1. $15,000 bodily injury (BI) allowed for each person involved;
2. $30,000 for bodily injury or death (per accident);
3. $5,000 damage to vehicles and collateral;
When compared to other states, which require personal injury coverage or uninsured and under insured motorist coverage, California auto insurance laws and regulations are very lenient.
This type of minimal insurance coverage means the least amount of coverage you can legally buy and carry when driving and insuring the car, therefore you can buy more, but you can't buy less. Better car insurance security for your car and for yourself will definitely increase the car insurance premium, it's still better to be safe than sorry.
Drivers can choose whether they require a higher or lower deductible or even full coverage, as most states offer.
Condition
California auto insurance requirements mandate that you be 16 years or older to get a driver's license, although you can get a temporary study license as young as 15 years and 6 months.
California law
California is also an SR-22 state, this means you'll need to show proof of coverage if you get a number of points on your license, or if you need to drive while or after your license is suspended.
California has strict cell phone and texting laws and regulations, as do both while driving. This is covered by the distracted driver law, and prohibits texting and non-hands-free cell phone use while driving.
Driving Under Influence status is given to car owners, whose blood alcohol content (BAC) is 0.08% or higher in California. Fines are significantly higher for car owners whose BAC is over 0.15%.
Differences With Other Countries
As stated at the outset, California helps everyone who has a below average salary. The Insurance Department is sponsoring a plan to reduce the monthly rate of auto insurance to $400.
Basic Insurance Policy Coverage Limits For Special Car Insurance:
1. $10,000 bodily injury (BI) allowed for each person involved.
2. $20,000 for bodily injury or death (per accident).
3. $3,000 worth of vehicles and additional damage.
They have several different payment plans, and their web page (mylowcostauto.com) also contains information outlining insurance coverage and requirements.
Frequently Asked Questions
1. What is the appropriate average wage for a reduced auto insurance coverage limit?
It varies from $27,075 per person and $92,525 per 8 people.
2. What age is eligible to receive low cost coverage?
The minimum age of the candidate must be 19 years.
3. What types of vehicles are covered?
The highest value of the car is $20,000.
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