Tuesday, February 20, 2007

Cheap California Auto Insurance

Californians are currently able to procure low cost, reduced bounds automobile liability coverage. The California Low Cost Automobile Insurance Program (CLCAIP) is a new programme that rans into the financial duty laws of the State of California. These policies are accessible to competent citizens living in the counties of Los Angeles and San Francisco. To qualify, you need have got a certain household income, driving record (the number of accidents and violations), and vehicle purchased value.

The electors of California enacted Proposition 103 (Prop.103) into law in November of 1988. Prop. 103 gives numerous consumer protections associated to purchasing and maintaining automobile insurance. Given below are some of the major commissariat of Prop. 103 that protect your rights as an insurance consumer.

Prop.103 recognized a legal verbal description of a ""Good Driver"" in this state. A Good Driver is person who have been licensed for at least three sequent old age and have no more than than one point on their drive record. Certain major misdemeanors may be considered for time periods of seven years, such as as a DUI (Driving under the Influence) conviction.

All automobile insurance companies licensed in California are required to tender coverage for Good Drivers. If you are a Good Driver and you are denied the chance to purchase insurance from the company of your choice, then you can reach the California Department of Insurance for additional action. Also, it is important to observe that your rates as a Good Driver should be lower by at least 20% to regular rates.

It also established new criteria that determine an insurer’s ability to call off or non-renew your policy. There are only three alkalis on which an automobile policy can be canceled/non-renewed erstwhile it is issued: fraud/material misrepresentation, non-payment of the premium, or significant addition in the jeopardy insured against.


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