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Accomplish Financial Responsibility in Compliance with Auto Insurance Laws in California

California is one of the most advancing states, and is highly reform minded, and California auto insurance policies are some of the best and most effective ones available in the market. It allows you to take up an insurance cover of your choice, so you can also choose a medical cover in your policy. There are a certain aspects about auto insurance in California, which you must get a sense of.

•A per the section of minimum coverage, statutory limits have been imposed. For bodily accidents, for any one accident, arrears of $15,000 in case of injury or death to a single person or $30,000 in case of death or injury to all persons involved have to be covered. For damages to other’s property one would have to pay $5,000.

A person can accomplish financial responsibility in the following ways

1. Having covered by an automobile insurance company. I.e. one must have valid auto insurance in California.

2. Fixing cash deposit of $35,000 with the Department of Motor Vehicles (DMV).

3. In case of ownership of more than 25 vehicles, one must obtain a certificate of self-insurance from the Department of Motor Vehicles (DMV).

4. A bond certificate of $35,000 from a California state authorized auto insurance company.

The state also makes it mandatory to have driving license for those above 16 years in case they wish to drive in the state. However, one can ask for temporary permit for driving, but this is applicable only in case of age being 15 and a half years.

With the advent of cell phones, number of road accidents has also increased; so heavy fines are charged if someone is found using the phone while driving so as to reduce the increasing rate of accidents due to texting. Fines have been increased for driving under alcohol. The limit is set at 0.08 % and any person above the level of 0.15% alcohol influence will be charged heavily.

When you’re private car is in middle of an accident for which you are found legally and morally liable, bodily injury (BI) liability is the one that covers your liability to others for injuries to them. (PD) Property damage liability is the one that covers your liability for damage to someone else’s property.

A insurance policy with BI of $30,000/$50,000 and PD of $15,000 will pay out as follows:

· The maximum limit set for any one person’s injuries, along with medical expenses is $30,000 under the bodily injury portion.

· If two or more people are injured or hurt, the maximum limit for the accident will be set at $50,000; and the maximum limit set for damage to other people’s private property (their car, their fence, their lawn, their outhouse etc.) Or state property is set at $15,000.

Proof of financial responsibility needs to be shown when the officer in charge asks for it. He may ask for it under certain situations such as when you have an accident, or when you have a car inspection, or during policy renewal, or the officer might ask of it on a routine checkup. So get your auto insurance in California.


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