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California Car Insurance Laws Penalties Against DWI Drivers

The well-built highways in California are not 100% accident-free. Every 48 minutes, according to the study made way back 2008, road accident happens due to DWI/DUI. Defensive drivers can only do what they can as they travel across the California road. Car insurance plays a vital role in every vehicle owner life. The state also imposes a strong mandate requiring every vehicle owner, regardless of the driver, to be financially responsible for his or her acts. It is a compulsory for each privately owned vehicle to have car liability insurance.

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The California car insurance law states that a minimum liability insurance is set at $15,000 for single person injury or death, $30,000 for more than one and $5,000 for property damage. Alternatively, drivers have the option to make $35,000 cash deposit to the Department of Motor Vehicle. The other one is securing a self-insurance certificate from the DMV or gets a surety bond amounting to $35,000 for a company that is licensed to do business in California.

DWI/DUI drivers, on the other hand, shares different information but they too are required by law to furnish the state of California proof of financial responsibility. No one is sure the person next to your car falls under DWI/DUI until they are tested or pro-actively spotted by law enforcers. According to the California law, DUI is measured by the blood-alcohol in your system. Below 21 years old, it is set at .01% and 21 years old and above at 0.8% respective.

Car accident statistics reflect upwards and slight improvement on road mishaps in related to DWI/DUI. It is for this reason that car insurance companies in California are actively escalating their drive to meet their goals. Vehicle owners who want to get car liability insurance can do it online. With the stiff competition, car insurance companies are lowering their premiums to cater to the needs of every vehicle owner. The State in California is also sensitive to those who are earning less. They are also offering low-cost auto insurance, provided you have satisfied their criteria. It stated that vehicle owners may qualify if you hold a good driving record, at least 19 years old, you’ve continuously driven for three years, owns a vehicle amounting to $20,000 and below. The California car insurance and DWI/DUI laws are harsh; the need to secure car liability insurance saves you from trouble.

For those who are in search for cheap auto insurance, you do not have to search for more sites. By merely entering your zip right at the search-box, you will be presented with a list of car insurance companies. From there you can request for an online quote. Input your zip code now and get the best deal.