In California, all drivers must follow driving laws related to auto liability insurance. This is the standard minimum identified by the federal government. However, in California, there are a few additional requirements. The laws are in place to lower the probability of losses due to an auto accident. A local insurance agency presents owners with options for Car Insurance in Watsonville.
Minimum Coverage Levels
All drivers must have bodily injury liability coverage. The minimum levels for coverage are $15,000 for the first injuries and a maximum of $30,000. The policy must provide at least $5,000 for property damage. Next, they must have uninsured motorist coverage that reflects the same coverage levels as the liability coverage. They need an additional $3,500 for uninsured motorist-based property damage.
Discounts for Auto Coverage
Discounts are provided when the owner adds multiple automobiles to the policy. A multiple car discount can lower the total value of the insurance premiums. In addition to this discount, the auto owners can acquire a discount for maintaining a clean driving record. If they have teen drivers, these drivers receive discounts for achieving higher grade point averages. The drivers could also acquire greater insurance discounts if they pay semi-annually or annually for their coverage.
What Happens if They Don’t Have Coverage?
If the owner doesn’t have insurance coverage, they cannot register their vehicle. They cannot renew their auto tag. If a law enforcement officer stops them without coverage, they receive a citation. The citation requires them to either secure auto insurance coverage or pay a hefty fine. If they are convicted of no insurance again, they could face a driver’s license suspension and lose their registration for their automobile.
In California, all drivers must present proof of auto coverage. They must follow the current laws and obtain liability and uninsured motorist coverage. The state can issue a citation if the driver doesn’t comply with these laws. The penalties could include high fines and suspensions. In more severe instances, some drivers could face a short jail sentence. Drivers who want to acquire Car Insurance in Watsonville visit Coastautoinsurance.com for further details about coverage opportunities.
