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Knowing More About Prop 213 And What It Means For Car Accidents

Knowing More About Prop 213 and What it Means for Car Accidents

According to the Insurance Research Council (IRC), about one in every eight drivers is uninsured. And if you’ve ever been in an accident with one of these drivers, you know the effects of this reality all too well. But this is not a new problem. In fact, auto insurance has been mandatory in most states for many years now. All but one state (New Hampshire) in the US require minimal amounts of coverage for its drivers. But despite this fact, many choose to drive illegally for a variety of reasons.

Most of the time, uninsured drivers claim they simply can’t afford the proper coverage. But regardless, they feel they must operate their vehicles in order to get to work, school, and other necessary locations. This can have a huge financial impact on the drivers who abide by the law by properly insuring their vehicles. For instance, if an uninsured driver happens to hit someone who is insured, the latter will usually end up taking the brunt of the burden. They will likely have to take the uninsured driver to court in order to get any kind of compensation for the accident. Unfortunately, however, if the driver is uninsured because of financial hardship, the plaintiff will have a difficult time getting any money from them at all.

In addition, a person without insurance could sue the person with insurance if they were liable. And when so many insured drivers rightfully complained about this issue, California lawmakers attempted to amend the existing laws. Proposition 213 (Prop 213) is one such amendment.

What is Proposition 213?

Prop 213 was passed by California voters in 1996. Its purpose was to further define the minimal requirements for car insurance in the state. It’s original intent was to limit the rights of “uninsured motorists, drunk drivers, and felons to sue and recover damages from law-abiding citizens.” In other words, Prop 213 can be seen as a way to punish drivers who do not take responsibility for their driving and are not obeying the laws. And it is a way to restore justice to people who do obey the law.

It’s requirements include $5,000 minimal for property damage, $30,000 minimum for bodily injury, and $15,000 per person. In addition to these requirements, the rights of drivers who do not have car insurance will be greatly diminished with the inclusion of Prop 213.

The bill strictly limits the uninsured driver’s right to sue for damages in a car accident, even if it was not their fault. In addition, if a person is committing a felony while driving the vehicle, then they also lose their right to sue the other driver.


While Prop 213 is complex and covers a wide range of situations, there are still exemptions that you should be aware of. First, an uninsured driver will still be able to recover compensation for things like property damage, lost earnings, economic damages, and medical expenses. In addition, the restrictions will not apply if the person identified as the responsible driver was also convicted of a felony being committed while driving or under the influence.

There are a few other situations in which Prop 213 does not apply. For example, it doesn’t apply if the driver was driving an employer’s uninsured vehicle, or if the accident happened on private property. It also doesn’t apply to a driver who was driving a borrowed uninsured car, but actually carried insurance on his or her own vehicle.

It should also be noted that the restrictions presented in Prop 213 do not affect a person who is declaring an injury due to a product liability claim. And the restriction cannot be used to stop a wrongful death claim from either a loved one or an heir. Prop 213 also does not prevent workers compensation requests.

Shortcomings of Prop 213

Because of the strict limitations of Prop 213, many people with potential claims are denied due process. In other words, their cases are not even allowed to be tried in a court of law. The reasoning is that there’s no reason to give every uninsured driver a hearing “because uninsured motorists that choose to drive can easily avoid the penalty of not being entitled to non-economic damages…”

And while this may be a good ruling in many cases, there are some that unavoidably fall through the system. One such case was where an uninsured driver tried to sue a county transportation department after its bus hit the door of his parked car as he was getting out. He received the bare minimum compensation, but his suit for further damages was automatically denied because of his lack of insurance—even though he was not driving his car when the accident happened.

Cases such as this one have raised many questions as to the intent of the proposition. Many people feel these should be reviewed on a case by case basis and that every plaintiff deserves due process.

Protecting Yourself and Your Vehicle

The best way to protect yourself is to carry the appropriate amount of automobile insurance required by your state. Don’t think you can just avoid accidents by being a good driver, as these risks seldom pay off. In fact, there are approximately six million car accidents in the US every single year, and more than 90 people die as a result every day.

Many of these drivers who are uninsured are shocked to find out that a lot of their expenses aren’t covered because of Prop 213. And they are even more surprised to learn that they can’t even sue to recover some of them.

How Prop 213 Affected Insurance Rates

When Prop 213 was implemented, California residents and state officials hoped it would help reduce insurance rates. For more than 10 years, automobile insurance has been on the rise. Most policy-makers attribute this to the growing number of lawsuits resulting from car accidents. These lawsuits have pushed insurance companies to the limit with sky-high claims of both economic and non-economic losses. There were previously no limits set on how much a victim could request for things like emotional damages. This resulted in millions of dollars of claims, leaving insurance companies with no choice but to raise their rates.

The limitations for such claims proposed in Prop 213 would serve as assurance for insurance companies that they wouldn’t have to pay out as much in damages. This, in turn, would allow them to lower their rates for consumers. However, this change has been gradual, resulting in about a 5 percent drop in premiums on average.

Know Your Rights

Knowing your rights is crucial when it comes to securing your freedoms and what is rightfully yours. Every moment you wait, you are putting this freedom on the line. If you are on the receiving end of Proposition 213, then you are not entitled to certain reimbursements for pain and suffering, or general damages. Unfortunately, this is true even if the accident was not your fault. This can result in some fairly large losses, especially if your injuries were severe.

If you are interested in knowing more about how Prop 213 affects your court case, then consider giving us a call right away. We will evaluate your case and see where you stand on a legal footing. Providing expert assistance and helping you to pursue your case with the best possible research and plan, we are here for your needs. Don’t let an injury or expense go unaddressed. Contact us at once to have the best team in California on your side.

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