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Common Misconceptions About DUI Laws In California

Misconceptions are usually what the people believe of something even though that is wrong and there are facts that suggest otherwise. These misconceptions arise from the freethinking of people and their unawareness. When a person is not aware of the consequences or the after math of something, they make misconceptions and misconceptions often cost a person a lot. People need to be safe and the need to be safe each time. If a person thinks that they are safe while they are doing something important and they do not have any security, they could be in a whole lot of trouble. A person should always avoid having misconceptions about things especially when those things are really, important.

Auto insurance laws in California and the laws of the road in California are extremely important. People make many misconceptions regarding these laws and their misconceptions end in nothing but trouble and a DUI charge. Misconceptions are common and almost every single person living in California makes misconceptions regarding the laws of the road in California. That is because of two things either they are not aware of the laws, any amendments made in the laws or they are over-confident. Here are three common misconceptions that Californians make when driving on the road regarding DUI charges.

1.            Being under the legal limit means I won’t be charged – Many people think that if they are drunk under the legal limit than they can drive safely. That is a misconception because if the police deem them impaired and unable to drive, they will indeed have DUI charges pressed against them. This is a common misconception that many people driving with BAC levels that cause them to become impaired have. It does not matter if you are under or over the legal limit as long as you are impaired and unable to drive.

2.            Drugs prescribed by the doctor do not count as drugs – Any drugs, whether legal or illegal that can cause a person blood alcohol concentration levels to rise are accountable. If a person is taking any drug that has been prescribed by the doctor and caused their BAC levels to shoot up, they will have to be tested and if they are deemed, impaired, they will indeed have DUI charges pressed against them. That is because it does not matter what type of drugs they take, all that matters is that whether their BAC levels are above the legal limit and whether or not they are impaired. Auto insurance laws in California must be definitely observed in order to prevent costly charges.

3.            Passing a roadside sobriety test will refrain from a DUI charge – This is one of the most common misconceptions that the public believe. Most people think that is they pass a roadside sobriety test; they will not have a DUI charge pressed against them. This means that if they can pass a test that the police ask them to, the police will not charge them for DUI. That is wrong because many people driving under the influence can pass sobriety test. The police will judge whether the person is impaired or not and only then will the decision be made.

 

This website can help one compare auto insurance quotes! Simply enter your ZIP code in the box at the top to see for yourself.

Guides On How To Decide About How Much Liability Insurance You Need

There are many types of car insurance policies and deciding between all of them is something that is hectic. All of these insurance policies have different characteristics and come into play on different occasions. There is one thing that is common in all of these insurance policies and that thing is the fact that all of them are used to screen you from going bankrupt and getting lawsuits in the event that there is an accident and you are held responsible for it. The different insurance policies include the likes of comprehensive insurance, uninsured or underinsured motorist insurance and last but not the least, liability insurance.

Liability insurance is that specific insurance that indemnifies you. This means that it pays all the bills that you owe the people that were involved in the accident you caused provided that the amount does not exceed you coverage. However, the only drawback of liability insurance is that it does not cover any damage done to you or your car. Liability insurance is deemed necessary in most states and that is because whenever a driver causes an accident, they mostly don’t have the money to pay the victims. That is where liability insurance helps them out. But when getting liability car insurance in CA, a person has the hectic job of coming up with the amount of liability insurance they need. Here are some tips that can help a person decide.

1.            Know the state minimums- When getting liability insurance, you need to first get to know of the state minimum. This means that you will have to first find out the minimum amount of coverage that the state has made obligatory for driver. This will help you decide the amount of liability insurance coverage you will need. The state minimum varies from state to state and that is why there is no constant value for the minimum.

2.            Estimate how much coverage you need- After you have found out the minimum amount of liability insurance coverage you need, all you have to do is that you need to estimate the amount of insurance coverage you need. The state minimum sets the bar for your amount of insurance coverage and whatever you estimate; it should be higher than the bar. You should try to be as accurate as possible when estimating because an accurate estimate will save you a lot of money.

3.            Be accurate- When gathering information and calculating the odds, you need to be really careful and you need to be as accurate as you possibly can. By being accurate, you can ensure that you get the right amount of everything and you have a balance between the state minimum and the amount of car insurance in CA that you need. If you estimate an amount that is less, it will get you in trouble and will get you a couple of lawsuits. However, if you estimate an amount that is higher, you will have to pay more in insurance premiums. That is why you need to maintain a balance as equilibrium.

 

If you want to compare California auto insurance quotes in your area, simply enter your ZIP code in the box at the top!

4 Tips to Get Cheap Car Insurance for Married Couples

Many different types of people have many different types of advantages and/or disadvantages regarding car insurance. That is because different people have different experiences, different histories, different driving skills and different probabilities of getting involved in an accident. An insurance representative interview each and every person when they decide to get themselves insured under car insurance from a car insurance agent or company. That is because it is necessary for a car insurance company to know what the driver is like and how they drive and how likely they are to get in an accident. These facts decide whether it is better for a car insurance company to insure the person or not. If the probability of the person getting into an accident is too high, the insurance company and the insurance agent will say no to the person straight away and tell them why they can’t insure them and their car. Many different people have many different histories, facts and everything and that is why there are different analyses regarding different people. This means that a single young man, a single young woman, a single old man, a single old woman, a teenager, a married couple and most importantly, a newly married couple will all have different analysis and will be interviewed differently. The results for their interviews will be different as well.

CalifoniacheapcarinsurancequoteWhen it comes to married couples, everyone calls them the bickering ones and everyone knows that they are always fighting over tiny things. Ws compared to single people, married couples have many advantages. Married couples are known to live longer than single ones have less chances of getting cancer and other deadly diseases and also have a better chance of getting the cheapest possible car insurance in CA if they decide to make the right decisions. That is mainly because a couple is way different than a single person and the couple is interviewed as one. If the woman has bad driving skills and experience, the insurance company might over look it if the man has good driving skills and a very less chance of being involved in or causing an accident. However, if both the man and woman are not good drivers and are more likely to be involved in accidents, the insurance company will simply refuse to insure them too.

Married couples have a huge chance of getting the cheapest possible car insurance if they make the right decisions and choose the right stuff. They will surely have to work together to pull this off but there are many advantages for a married couple when it comes to getting California cheap car insurance. A married couple will have to do some things and use some tips and tricks in order to get the cheapest car insurance. There are many little things that they can do in order to do this, some of which are listed below.

1.            Register for car insurance as a couple- The best way of reducing insurance costs and insurance premiums for a married couple is to get enrolled for car insurance as a couple. This will require them to tell the insurance company that they are married and that they are a couple when they are registering themselves. The married couple will have to provide the proof of their marriage and once they have submitted the proof, they will be entitled to the cheapest possible car insurance. That is simply because for unknown reasons, married couples have been found less likely of being involved in or causing accidents.

2.            Get a family oriented car- The second thing a married couple can do is that they can buy a car that is designed and created for small families. Whether they want to or don’t want to have children, they should buy a car designed for families. That is because these cars are designed in such a way that they are comfortable, compact, use less fuel and have a small engine. These are the best car for married couples because these cars can effectively decrease the married couple’s insurance costs and the insurance premiums that they will have to pay.

3.            Buy a car insurance that has future planning- In order to get cheap car insurance in CA, any married couple can buy a special type of car insurance. This type of car insurance is available from most insurance agents and companies and this is associated with married couples only. That is because this type of car insurance has future planning. This means that no matter which car you use, if you decide to keep this insurance for a longer period of time your kids can also be easily registered into your car insurance when they become teenagers and get their license. The only drawback of this car insurance is that you are then bound to get your kid, once they become a teenager and get a license into your car insurance. The largest advantage of this kind of insurance is that because of this fact, the insurance cost and the insurance premiums for this kind of car insurance are really low.

4.            Be specific- In order to get the best and the cheapest car insurance in CA possible, you should be specific to the insurance company about your future. This means that you should tell them what you plan on doing in the future. This includes any future plans regarding travelling abroad, having kids or moving to another place. This can help clear things up with the insurance company and it can also help let the insurance company know about your future plans. This can effectively and efficiently lower the insurance premiums and the insurance costs for your car insurance. Being specific about the future is one of the best things a married couple can do in order to get the best and the cheapest possible car insurance that fits them perfectly. This will also enable the married couple to make future plans about their car insurance.

This website can help one compare California car insurance quotes! Simply enter your ZIP code in the box at the top to see for yourself.

An Overview into the California Auto Insurance Laws

The laws for auto insurance in California are contained in the California Insurance Code. These are the laws in California concerning insurance matters that have been coded. Enforcement of the laws is overseen by the California Department of Insurance while executing its policies too. Laws may differ from state to state and so understanding the laws that apply to you especially if you are in California is paramount. There are regulations and rules that apply to most states generally but some apply to the state of California specifically.

It is mandatory for all motorists in California to have liability insurance in case an accident was to occur. This essentially covers the compensation (in monetary terms) of the other parties involved in the accident and as a result, got injured or their property destroyed. Auto insurance in California is guided by laws that require all vehicles, parked or operating on any road, have car insurance. Proof of monetary responsibility may also suffice. It must be on file that one can be able to pay for damages in case of an accident. This applies even to vehicle owners who do not drive their cars. They must have some sort of minimum liability insurance or a method of paying for damages approved by the state of California.

There are three methods that the California Department of Motor Vehicles accepts such financial responsibility. The first is a surety bond of $35,000 from a company licensed in California and can be found easily by searching at the Department of Insurance. The second is a cash deposit of the same amount given and possessed by the California DMV and lastly a self-insurance certificate from the California DMV.

If a vehicle owner takes up a liability insurance policy in California, then the minimum requirement for the insurance that can cover the cost of damages to property is $5,000 while injury or death to an individual requires a minimum of $15,000 and $30,000 for more than one person injured or killed in an auto accident.

The California car insurance law is also clear on policyholders that cancel their policy and do not register with the department of motor vehicle within a period of 45 days. In such a case, the law states that the vehicle’s registration will be suspended. This is also the case when the vehicle is sold to another owner,and the new owner does not submit the car insurance information to the California DMV within 30 days since the vehicle got the new owner.

Failure to comply with these auto insurance laws in California can lead to penalties that range from a $200 ticket for first offenders, rising all the way to $1,000 for repeat offenders. To make matters worse you may have to pay for the damages personally and even have your car taken away from you.

Always stay insured and find the best and cheapest auto insurance coverage in California by entering your zip at the start of the page and compare California insurance companies and the offers they have.