In California, federal laws make it illegal to operate a motor vehicle without adequate insurance. The state issues its own requirements for at least auto liability insurance. Reviewing the requirements for Car Insurance in Rancho Cucamonga CA shows consumers what is expected under the current laws.
What are the Basic Requirements?
The California state insurance laws require bodily injury liability coverage with a minimum of $15,000 and a max of $30,000. The property damage liability coverage must equate to at least $5,000. Uninsured motorist policies must offer no less than $15,000 and a maximum of $30,000. Uninsured motorist property damage coverage must be no less than $3,000.
What Happens if an Auto Owner isn’t Insured?
Any driver who is caught without adequate auto insurance coverage faces penalties. Federal laws require all auto owners to purchase auto insurance according to the current mandate. States have the right to set a base requirement for local auto owners. If the driver has recurring charges, it is possible for the state to revoke their driver’s license and registration for their vehicle. Typically, a fine is issued if the driver doesn’t purchase an auto insurance policy before their court date.
Are There Conditions that Exclude the Need for Coverage?
The only exception to the federal mandate for auto insurance is if the automobile is inoperable or classified as totaled by their owner’s insurer. The owner must have their registration suspended through their local Department of Motor Vehicles and provide evidence for why they are making the request.
What Discounts are Available to Auto Owners?
Age-related discounts are available for drivers who are at least 25. Teen drivers receive discounts with a higher GPA or after completing defensive driving courses. Seniors receive discounts after they turn 65.
In California, federal and state laws apply to all drivers who own vehicles. Auto insurance requirements must be met, or the drivers face fines and other penalties. Maintaining coverage helps auto owners avoid the penalties and protect their investment more proactively. Auto owners who want to learn more about Car Insurance in Rancho Cucamonga CA are encouraged to contact Barranca Insurance Services Inc. for a free quote right now. You can also connect them on Facebook.
