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A Guide to Be Secured While Driving in California

There are various factors on which the price of insurance is designed. It really depends on the category of the vehicle, the type of the vehicle and also the amount of time an individual is likely to spend on the road. The prices of the car insurance are much higher for a new car than an old one. If an individual has an older car and if he does not travel much rather than living his usual daily activities like attending school then a basic insurance policy would be all that he needs in order to protect himself. In cases of using a new vehicle, take a sports car as an example. The individual is liable to drive it more and might lose his way out. In this case he has to choose an insurance product with a greater coverage level.

So, when you move through the state of California the question arises. Are you secured while driving? Unlike in other parts of the world, driving without car insurance is an offense one has to pay dearly for in California. License is not the only requirement to drive in the state, its compulsory that you have your vehicle insured with any legitimate licensed insurance company. And even if one doesn’t drive their vehicles, he/she should possess auto insurance. The fiscal responsibility Law in California is another mandatory rule which states that the vehicle’s owner is to be held responsible fiscally for their deeds. Relating to this section there are certain minimal limits termed as “Liability Insurance” one should take care about, ranging from 5000 to 30000 American dollars for property damage to death of the victims. If you are driving without an insurance policy in a state like California, you are calling trouble upon yourself and you have to face various atrocities such as:

Penalty :  If by any chance you are busted by the cop for breaking the traffic rules and you are not able to bring forth your insurance papers, a record will be issued against your name irrespective of you carrying a license or not. The magnitude of the fine depends on how the situation copes up. 200 to 500 USD is a minimum amount one has to pay for breaking the law. Plus your vehicle’s registration number gets a bad name to itself which will haunt you while buying auto insurance in future.

Suspension of License:  If you think you are penalized once by a chance and you won’t be penalized again, you are completely wrong. First time they might let you off with a fine but if you are spotted again without the policy papers, there is a chance you will lose your registered license. The suspension of the license can amount to a period of 6 to 12 months and one has to file an SR-22 form through Department of Motor Vehicles to retrieve it back. During this period, the registration of the vehicle may be hanged up or cancelled as well depending on the past records of the vehicle’s owner.

After Effects: Charged with a fine, license suspended and still driving. This could turn out to be disastrous for you personally and financially. Here, money won’t be the solution. One has to face criminal charges for breaking rules and regulations again and may be put behind bars with the relevant charges. The term of imprisonment relies under the circumstances in which one is caught, whether it was an accident or a minor crime. The “at fault” driver may be penalized with a substantive fine or arrested for a period of 1 month to a year for not carrying or possessing auto insurance in California.

If you want to drive your wheels safely through California and get yourself secured on the move, you should keep in mind the following points and abide by them:

Fault Insurance Law: Very few states like California have amended this law which is basically a financial penalty for the damage inflicted upon the victim and their property. If a particular individual is proved guilty of an accident then he/she has to take care of all the medical expenses involved during the victim’s treatment. The victim may also take lawful actions against the accused driver and may drag him to court.

Insurance Proof: In regards to California Auto Insurance Laws, it is mandatory for a citizen to show up the concerned authorities that their vehicle is insured. The law also opens up an option for the driver to have a self insurance and for that he/she has to produce necessary documents issued by the California DMV.

Have coverage of minimum liability Insurance: The coverage is subcategorized in two parts, one is for the damage to the vehicle and the second is the physical damage to the owner of the vehicle. The minimal coverage amount for damage of the vehicle is around 5000 USD and that for the owner is around 15000 USD which gets multiplied with the number of people injured in a single event.

Guarantee yourselves in a world without any Guarantee: What might happen or when that might happen, nobody knows. But for our downfall, we are the only one responsible when we ignore something as important as getting an insurance for a stress-free life. Get the best quotes of auto insurance in California from our website and work out which one suits your budget and needs. But don’t decide the whole thing on money. Many people are known to pick up the minimum to suit themselves but that may not be enough to shield you if you are caught up in a serious accident or you are the reason for it to happen. In both the cases it’s your loss which no one can do anything about if you haven’t insured yourself and your vehicle with a proper policy.

Henceforth, if you are still to get auto insurance for your beloved vehicles do not delay anymore. It’s high time you should get one and drive freely on the streets of California with the guarantee of your safety and of those on the road with you. One good thing, this website can get best of the deals. Just enter the zip code, fill in the basic information and grab the best in the market. It’s quick and effortless. Use our insurance matching service to provide you only the best.