Being the nice guy I wrote down the information and then reluctantly reported the incident to my insurance company that I am.
My insurance agent rang back within a couple of hours, and guess what I hear next? The information that this nice woman that is young me was totally bogus! The woman who totaled my car was did not have car insurance. What!
I couldn’t believe this. I was had! All of us hard working, law abiding, car insurance paying citizens fork over hundreds of dollars a month in order to comply with our car that is mandatory insurance. It seems we cannot immediately see, touch, smell, or hear like we are paying the bills to push back our dismay at spending large sums on something. Soon enough everybody shall be forced to acquire car insurance.
California legislators are now debuting a plan that is three-phase on uninsured motorists. California legislators are creating this plan for people like you and me like me, for people that do pay insurance, for people that don’t make bogus claims, for people that are law abiding citizens. This plan will be enforced with the sole intent on making uninsured motorists pay the price that is ultimate.
Get ready uninsured motorists, here comes the bad news! As of 1st, insurance agencies are required to electronically submit evidence of financial responsibility to the DMV january. This means, if your car insurance faults at any time, the DMV will be notified immediately. What does this mean for uninsured motorists? The DMV will send you a nasty little note along with your registration renewal notice requesting that you submit proof of financial responsibility before they will ever renew your registration again. This is a must people. There is no getting around this one.
Alright people, let’s do the math that is simple. That you left your car insurance card in your house really going to fly with the authorities if you get pulled over on or after July 1 of this year, do you really think that the excuse? Come on. These are the kids that are fat high school who you used to pick on. It’s payback time in their eyes. As of right now, law enforcement has the same access to the current status of your insurance just like the DMV. Don’t fret, because I have good news for everybody. Read on.
The cut that is final will come on October 6th as when the California DMV will be required to suspend the registrations of uninsured motorists. Wait, what does that mean? That means there is no getting around it. It means there is no where to go. It’s your end that is dead buddy. Insurance is a must.
Now, I’m a nice guy. I’m a very understanding person. I’m willing to look at both relative sides of the fence here. Given, some people just outright choose to not have car insurance; however there are the few out there that simply cannot afford the car that is sky-high premiums that are simply out of budget and quite frankly out of reach for some motorists.
No worries, the continuing state of California has the bases covered for most. See, as of April 1, the California Low Cost Auto Insurance Program is being offered to drivers that are low-income Alameda, Fresno, Orange, Riverside, San Bernardino and San Diego Counties, previously only available in San Francisco and Los Angeles.
This cost that is low is available from any licensed insurance agent at a cost of just over $300 per year. Lower-income drivers who meet the qualifying guidelines will be able to protect themselves and their families while complying with the law. More information about the program is available at the state department of insurance website.
If you drive into Los Angeles County today, look around you, because it is estimated that one out of four people on the road are driving without car insurance.
When the new laws kick in, sorry Charlie, but you must get car insurance, and you must get car insurance right now.