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Minimum Car Insurance Requirements in Fontana

Learn The California Automobile Insurance Requirements For Operating Vehicles on Public Roadways in Fontana California

Minimum Car Insurance Requirements

Minimum Car Insurance Requirements

Minimum Car Insurance Requirements for Fontana California Drivers - Every single person who plans to drive in Ontario California should learn the legal car insurance requirements to do so. There are many rules that govern exactly how one must operate their car, truck, bus and motorcycle. Those rules are known as the traffic laws, and they are contained in the Motor Vehicle Code. There are additional laws which mandate that all people who drive within the state carry insurance or show substitute proof of financial responsibility. In this article the minimum coverage limits are discussed, as well as additional related facts and concepts that are helpful to know.

Minimum Car Insurance Requirements for Fontana California Drivers

In order to operate or park an automobile on a public roadway within the state, a driver’s financial responsibility must meet the minimum liability requirements. The requirements are dictated by law and are as follows:

  • $15,000 for the injury/death of one person
  • $30,000 for the injury/death of more than one person
  • $5,000 for property damage

Liability Coverage Defined. Liability is used to compensate the other party/parties involved, not the policyholder, for injuries and property damage resulting from a car crash. These basic liability limits serve as the basic standard for financial responsibility; however additional types of coverages may also be available for purchase to drivers. To ensure coverage in different scenarios where liability will not cover the loss, additional options are recommended. These other types include collision, comprehensive, medical payments, and uninsured/underinsured.

Substitutes Arrangements for Financial Responsibility. The most typical form of automotive financial responsibility, is a liability policy purchased from a private company such as State Farm, Allstate, AAA, etc. These policies are purchased privately from companies. In order to comply with state law, carriers must report all policy information for private-use vehicles to the Department of Motor Vehicles (DMV). Cars that are insured with commercial or business policies are not required to be reported to the DMV by carriers. There are other types that are accepted, these include: Making a cash deposit of $35,000 with the DMV. Obtaining a certificate of self-insurance. Getting a surety bond for $35,000 from a company licensed to do business in the state.

Possible Consequences for Not Complying with CA Law for Minimum Car Insurance Requirements

Not possessing the minimum car insurance requirements can result in serious problems for a driver or owner. If a driver does not have the proper proof that meets the minimum set by the code, the auto can be subjected to the suspension of license to operate. This will most commonly happen when:

  • A person cancels their policy and fails to notify the DMV within the allotted 45 day period
  • The provider issues a registration card, but fails to submit the update to the DMV within a period of 30 days
  • A driver is in possession of fraudulent registration information.

Evidence of coverage must be maintained at all times while driving or parking on the roadways. The law places the requirement on any automobile that will be operating or parked on any roadway within the state. All drivers must possess evidence of financial responsibility when driving. Proof of coverage must be provided in any of the following scenarios: Interacting with law enforcement relating to an auto; Registering an automobile with the DMV; Involvement in a wreck, crash or accident, even if there is no other car involved.

What Suspension Means. It is illegal to drive or park cars, trucks, or motorcycles with suspended registration on state roadways. Suspended vehicles are subject to ticketing, fines or impound. The driver of a suspended vehicle is exposed to personal liability for damages in a collision.

Fontana Car Accident Lawyer Fighting For Full Policy Limits

Alexander D. Napolin Esq. Fontana Car Accident Legal ServicesIn all situations, the monetary recovery to the client has an upper limit set by the negligent party's policy. Without insurance most defendants do not have enough money to pay an accident claim. Therefore, it is extremely important to hire an attorney who will prosecute a car accident case and discover and develop a strategy for collecting the full liability limit available. 

Not every attorney fights with the strategy of obtaining the most amount of money possible for their client. Here at Fontana accident injury lawyer, we investigate the case right away so that a winning strategy can be developed to win as much money as possible. A larger car accident claim settlement provides needed compensation to the client for their troubles. Anyone who calls Napolin needing help will receive a case evaluation at no charge. Call to speak with a lawyer today about your possible lawsuit. Dial 909-962-8415.

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