Each state of US has various laws about car insurance requirements. The Public Utilities Commission of California and the DMV of California has set the basic requirements for the car insurance within the state of California. All the California auto insurance requirements are authorized by law and one has to fulfill these requirements for obtaining the vehicle registration within California. If you do not follow all these auto insurance laws properly, you may have your vehicle ceased, license suspended, high fines or criminal charges. All these risks are pertaining to a situation where you don't go through an accident. In case of an accident, if you haven't met the legal requirements, you may face huge liabilities for the damage repairs. In California, the private vehicles need to have the minimum liability insurance which is stated in the insurance Code of California. Under this code, the minimum auto insurance requirements are:
• The amount of $15,000 for the injury or death to a single person.
• The amount of $30,000 for the injury or death to 2 or more than 2 persons.
• The amount of $5,000 for the damage to vehicle.
The liability insurance also covers other persons besides the policyholder in case of property damage or personal injury. The Comprehensive or Collision Insurance is unable to cover such damages or injuries. The Comprehensive Insurance covers for the damages that are beyond your control like vandalism, fire, natural disasters and theft. In the state of California, if you face any affordability issues in the coverage of minimum liability California auto insurance, you may apply for California Low Cost Auto Insurance Program. The local DMV offices can easily provide you the details of this program.
While registering your vehicle, if you are involved in any kind of accident or if the law enforcement agency requests it, you may be asked to disclose your entire car insurance coverage. Along with the insurance card, DMV may also ask you to provide the following documents:
• An authorized letter of DMV.
• The proof of Insurance certificate of California (SR-22).
• The evidence of the ownership or lease of the stated person.
• A notification about the alternative kinds of financial responsibility.
• An affidavit claiming the fulfillment of California auto insurance requirements.
In order to follow the auto insurance laws, there is no need to break the bank after every 6 months. You can easily get new quotes on the basis of your current record. After every 3 years, the traffic tickets and accidents are usually dropped from your record. Moreover, with passage of time, as you get mature, gain more experience in driving, relocate, change jobs, your vehicle insurance costs automatically decrease. There are many websites where the customers may compare the insurance rates and can also receive quotes from the auto insurance providers operating within their area. These insurance providers are well aware of the California auto insurance laws and also offer attractive discounts to the customers.
Finally, it is essential to make sure that you are fully insured according to the California auto insurance requirements in order to avoid many risks and expenses. For getting the quotes on the cheap car insurance, Californian drivers can easily use Quote Dash for the completion of their driver and vehicle profile. After submission, you can get the cheap California vehicle insurance from a wide network of insurance companies and agents that will definitely compete in order to get business.
Muhammad Adnan Elahi is a superb writer. Writing is his infatuation and sharing knowledge is his passion.
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Car Auto Article FeedFind More ArticlesSearchSimilar ArticlesCalifornia Low Cost Car Insurance - Instant Online RatesCalifornia Low Cost Car Insurance - For Under-25' Drivers?California High Risk Auto InsuranceFinding California High Risk Truck InsuranceCar Insurance - Getting Insurance Quotes OnlineCalifornia High Risk Auto InsuranceFinding the Best Auto and Car InsuranceAuto Insurance - Liability Insurance CoverageHard Water Spots and Water Purification in California for Mobile Auto DetailersCalifornia Auto Insurance - Simples Steps to Help Lower Your Auto Insurance RatesRecent ArticlesFind Cheap Auto Insurance for Young DriversTips For Understanding Your Insurance PolicyWhy Car Insurance Bundling Is BeneficialCalifornia Car Insurance Rates: Affordability GuaranteedFinding the Cheapest Route to a Good Car Insurance PolicyDriven Off the Road By The Cost of Young Drivers Car Insurance?Buying Car Insurance Coverage For Safe DriversThe Rising Cost of Car Insurance Thanks to Whiplash ClaimsTaking Your Insurance Coverage To The Highest Levels For LessSmall Companies Change Insurance Landscape In AustraliaSubmitted On February 14, 2012. Viewed 1 time. Word count: 571.MLA Style Citation:Elahi, Muhammad A.".".14 Feb. 2012EzineArticles.com.17 Feb. 2012
Elahi, M. A. (2012, February 14). . Retrieved February 17, 2012, from http://ezinearticles.com/?California-Auto-Insurance-Laws:-A-Must-Thing-to-Follow&id=6881341Chicago Style Citation:
Elahi, Muhammad A. "." EzineArticles.com. http://ezinearticles.com/?California-Auto-Insurance-Laws:-A-Must-Thing-to-Follow&id=6881341
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