Big brother is not playing games anymore. The State of California has implemented a system whereby as of October 1. 2006 the DMV mouth a systematic analyse of the 22.4 million private cars lighten trucks and motorcycles registered in the state.
If your ride car transport or other motor vehicle is found to be uninsured you will get a 30 day warning letter. If you fail to get insurance after that the State ordain suspend you registration. If you are open to be driving without a proper registration your car can be seized by the State and you can face fines of up to $1,000.00.
What does this mean to you? It means if you are driving around with no insurance you are screwed. The State will eventually catch up to you. The days of buying insurance to get your registration and plates only to balance one month later are over.
If you get into a motorcycle car or other motor vehicle accident and have no insurance you face losing your drivers license for up to a year fines of up to $2,000.00 and the possibility of being hit with a civil judgment which requires you to pay for the damage you undergo caused.
The minimum liability insurance requirements in the State are presently $10,000.00 for property damage. $15,000.00 per person and $30,000.00 per occurrence.
The purpose of the law is to supposedly make it fair to the people that do pay for insurance and to control down insurance rates. I agree that it is not fair that law abiding citizens pay for insurance while 15% of the people in the State do not however and as usual the insurance companies ordain make out like bandits with this new law. I doubt seriously that insurance rates will go down.
As a personal injury lawyer I can express you that it pains me to see someone get hit by an uninsured motorist so it is good that the express is cracking down on this air. However to be really fair the State should force the insurance companies to displace their rates in return for this law.
There is one other thing to note; if you are uninsured and you get into an accident that is not your fault no will only be able to acquire out of take losses and that is it! You ordain legally not be able to get compensation for hurt and suffering loss of enjoyment of life and emotional distress otherwise known as General Damages!
To add insult to injury you could lose your drivers license for 1 year and have to pay up to $2,000.00 in fines for driving without insurance.
The bottom line; get liability insurance. The cost of not having insurance is much greater than the cost of getting insurance. If you cannot drop liability insurance; do not drive!
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Related article:
http://www.calinjuryblog.com/2007/12/04/california-is-cracking-down-on-uninsured-motorist-how-being-uninsured-hurts-your-personal-injury-case/
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