Driving Without Insurance In California
What Happens if I Get Caught Driving Without Car Insurance in California?
If you are stopped by the police, you must show proof of insurance together with your driver’s license and registration.
If you fail to do so, you will get a ticket and face consequences depending on your situation.
Fines and penalties for violations of traffic laws in California:
If you are detained in California without proof of auto insurance or any other form of financial liability, you may face the following fines:
Between $100 – $200 for your first offense.
Between $200 – $500 for each infraction occurring within 3 years after the first.
Contact Avrek Law After An Accident
Car Insurance Laws in California
Californian law requires you to have a way to cover costs related to damages or injuries that you may cause in a traffic accident. California is a very populated state and has some very dangerous roads that you should be aware of.
Buying liability insurance is the simplest and most common way that people choose to meet this requirement.
The minimum amount of civil liability insurance you must have in your policy is:
$15,000 for injury or death to one person.
$30,000 for injury or death to more than one person.
$5,000 for property damage.
Is it Against The Law To Drive Without Insurance?
Having auto insurance is a legal requirement in California. As a minimum, drivers must have liability insurance. However, the state offers discounts and a program for low-income drivers.
By law, drivers in almost all states of the country must have a minimum of insurance coverage in case they are involved in an accident and must compensate damages caused to third parties with their vehicle.
Not having auto insurance is not only illegal in California, it is also quite inconvenient because the responsibility of driving is left in the driver’s hands and in their financial resources.
If a driver does not have money to buy insurance, chances are they will not have the resources to deal with a claim for an accident. Learn more about uninsured motorist.
What Happens if I Hit Somebody in a Car Accident and Don’t Have Insurance?
On this basis the civil liability system works in case of an accident. If all drivers have insurance, at the time of an accident, it will indemnify: the repair costs of the damaged cars, the loss of personal property of those involved or third parties, and the medical treatment and claims for damages of the people involved in the accident.
The problem is that many drivers decide to get the most basic form of insurance; the minimum that the laws of the state require to meet the requirements of driving legally, but this coverage is not always enough and then the problems begin.
Not to mention that many drivers neglect their obligations and have no insurance, in the hope that they will never be seen in a mishap and no one will discover them.
This also means a big problem for people who do have insurance and who see themselves in an accident where the other party of the crash does not have coverage.
Then, they are forced to make a claim to their own insurance and this brings multiple problems in the future. Worst insurance companies study.
For this reason, insurance companies have coverage that can be added to a particular auto insurance, which gives extra protection in case the driver with whom you may have had a collision is not covered; it’s considered one of the best car insurances in the country.
In other words, when you include uninsured or underinsured drivers in your policy, if you have a collision with an uninsured or fleeing driver, your insurer will reimburse you as if it were the insurance of another driver.
Two other benefits of this additional coverage:
- It comes into effect if you are a victim of pedestrian overrun.
- It supplements additionally over the minimum limits the coverage of an insured driver may offer, if this is the fault of the accident and the coverage of his insurance is not enough to complete the costs of the crash.
This insurance may also provide you with certain funds to repair your vehicle if you do not own an insurance and an uninsured driver crashes with you, which can be especially beneficial for students and young people since they are involved in the majority of car-related accidents in California.
However, do not count on other drivers having this type of insurance because they often do not select it as an option.
The main reason is because it costs an additional charge to the premium. What they don’t realize is that it is still cheaper than paying a fine.
DMV Penalties For Not Having Car Insurance
Failing to have auto insurance in California can also result in a suspension of your auto registration if:
- The DMV of CA is notified of the cancellation of your insurance and you will not replace it within 45 days.
- Your auto insurance information is not provided to DMV within 30 days of initial registration or transfer of ownership.
- You registered your car with false evidence of insurance.
The DMV will send you a notice if your record has been suspended because you do not have auto insurance. However, you can re-register your car with the insurance test at a cost of $14 and request your reinstatement to the DMV:
Online, on the Insurance Program and Vehicle Registration Suspension page.
By mail, with your notification letter to:
PO Box 997405
Sacramento, CA 95899