There are a number of criteria that one has to satisfy in order to get an auto insurance policy in the state of California. The following are the important criteria:
- You must be a resident of the state of California
- You must have the ability to own and operate a vehicle.
- You do not require a state driving license from California; all you need is a driving license in general.
- The vehicle does not need to be in the policy holder’s name; however you need to have access to a vehicle.
In recent times, there has been a relaxation of the laws in California which allows for people to own auto insurance even if they do not have a drivers license or even if they do not own a car in their name.
There are other requirements about the minimum coverage that you have to own. According to the department of motor vehicles in California, you need a minimum personal bodily injury liability of $15,000 per person per accident. In addition, you require a minimum of $30,000 coverage per accident for all the injuries sustained by everyone involved in the accident. Moreover, you will require a coverage of $5,000 per accident for all the property damage incurred in an accident. Now these limits are not exactly enough for a real case scenario, but they just help you get something out of your insurance policy.
For example, if you run a traffic signal you might end up ramming into a vehicle and the damages could easily run up to $12,000 even if you were just doing 30. And keep in mind that a simple paint job will cost you upwards of $5,000.
A simple shoulder dislocation injury could set you back upwards of $15,000. This is inclusive of the emergency ambulance service and the emergency care that is needed for the person. And this is not even calculating the post trauma care that is needed and all the prescription medicines that the person will need.
And in such cases when your insurance cannot cover all the expenses, you will be required to pay the entire excess amount from out of your pocket. And such bills can run up to thousands of dollars. And if you do not pay, the court will attach your assets and other property in order to pay for the costs if the other party decides to litigate. And such a huge expenditure all of a sudden is not something that the average person will be able to afford. You will just end up being in debt trying to pay for all the bills. And we haven’t even mentioned the bills that you would run up due to the damages and injuries that you have personally sustained.
Assuming you meet all of the requirements, you can then find low cost auto insurance at Insuriffic.com.