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FAQs about Minimum Requirements in California Car Insurance

According to a 2006 amendment in the law, the way California DMV verified the automobile insurance of private vehicles has been changed. This was required so that every vehicle in California has financial responsibility coverage in case of any accident and to remove all the vehicles that are not insured from the highways.

According to the new law, all insurance companies in the state have to submit a report about private vehicle insurance being provided to various drivers.

This has been included in the law so that no company can bypass this step.

When will be required to show proofs of auto insurance in California?

These laws of auto insurance in California applies to any vehicle present on any road of the state. The driver has to carry a proof of their vehicle’s insurance with them all the time. There are situations when you’ll be required to present the papers before the concerned authority. This can happen when you are asked by a police officer to show the proof, when you are renewing your vehicle’s registration or when an accident is caused by your vehicle.

What counts as a proof of my insurance?

There are several documents which can serve this purpose. These include:

–              Papers provided by your company.

–              Authorization certificate

–              An SR-22 form

–              An REG-5085 form

–              An REG-256 form

As a private vehicle owner, what are the least requirements for my vehicle’s insurance?

For private vehicles, minimum requirements include $15,000 for an accident in which only one person has been injured.  In case more than one person has been injured, the minimum increases to thirty thousand dollars. For damages to property, a minimum of Five thousand dollars should be covered.

If these requirements seem too high and unaffordable, you can check out California Low Cost Auto Insurance, provided by the government.

Are there other ways of acquiring the financial responsibility?

Need alternatives? There are a few available like instead of having an insurance of your vehicle; you can submit thirty five thousand dollars to the Department of Motor Vehicles, California. You can have a certificate saying that you’re self-insured provided to you by DMV as well. One more way is you can get a surety bond for thirty five thousand dollars from a company licensed to do so in the state.

What possible situations can my vehicle registration get suspended?

Your vehicle registration may get suspended in the following situations:

First situation is if the department has been informed that your insurance has been cancelled and not been replaced within a period of forty five days.

Second situation is if all the information regarding your insurance policy was not submitted to the department within a month of the date which a registration card is issued.

Third situation is if the State finds out that the evidence you provided about your insurance were fraud.

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