Car insurance is required in California. If you do not have insurance and are caught you may be subject to a fine as well as possible time in jail. Insurance can be found for a reasonable price
Why is car insurance needed?
In most civilized countries, vehicle insurance is MANDATORY, so that if you are hit by another car, that driver’s insurance company will pay for the harm to you or your car. You also have to have an insurance policy to protect others from your deeds while driving your car..
A insurance policy has coverage thresholds, that are agreed inbetween you and your insurance company. Not too many individuals have Five million dollars in their individual savings account at the bank, but the insurance company does, and if needed, they will cover you for an agreed limit of up to Five million dollars, if you are sued for damages you have caused to some one else with your car..
You pay them a annual premium towards the cost of having that insurance coverage, based on your driving record, and how much your car is worth to substitute, if bruised beyond repair, and where you live.
Do you need car insurance in Florida?
YES. It is mandatory ( that means you DON’T HAVE TO HAVE IT ) or you cannot drive.
Do you need motorcycle insurance in California?
Call and ask your agent. California Insurance Requirements for MotorcyclesKeep in mind you are not required to purchase a liability policy if one of the other options listed above. But for many people, obtaining car insurance makes more sense. Here’s the minimum liability coverage the state requires: .
$15,000 for injury/death to one person .
$30,000 for injury/death to more than one person .
$Five,000 for harm to property*
What do you need to get car insurance?
Mostly because most states won’t give you a tag for your car without you having liability insurance on the car. if you cause a wreck the insurance pays for the harm you caused and if you don’t have enough coverage the injured party may go to court and sue you for some more money. Liability insurance does not pay for harm to your car.To get insurance you have to have a drivers license. If you get checked at a road block and have no insurance your car goes to jail and you may also.Comprehensive insurance pays for harm to your car. You have a twenty thousand dollar car and wreck it or someone else wrecks it then you get it repaired by the insurance company.
Do you need a drivers license to get car insurance in California?
I think you need to get a driver’s license in any state to get car insurance period. An insurance company will not supply you with insurance if they don’t have proof that you are licensed to do so. My suggestion to you…get a license!
Why do you need car insurance?
Because it is required by law in most states. And if you have an accident, you don’t want the victims to sue you and take away your house and everything you own. So that if you have an accident that damages someone else, or their property, those people will get suitable reparations, which they very likely wouldn’t if you couldn’t afford to pay them out of your own pocket. In many countries it the law that you have to have at least third party insurance.
Car insurance coverage needed?
If you are asking, “do you need car insurance to drive”, then yes you do. It is illegal to drive without it.
Why you need car insurance?
The reason you need car insurance is for protection for both you and other parties. Without insurance, if you were involved in an auto accident, you would have to take the responsible party to court, which cost you time and money. Insurance covers this cost, as well as it finicially protects you. if you were found at fault for an accident, and did not have insurance, you would be responsible for all the damages and medical expenses for all parties involved. This could end up costing you several thousand dollars, which most of us could not afford. Insurance covers this cost, as well as insures that if you are injuried in an accident that wasnt your fault, that you are fully compensated for your injuries
When don’t you need car insurance?
If you don’t drive or don’t own a car……or have enough money to lodge any and all claims should one occur. In most (all?) states, insurance is required to register a car.
Where do you not need car insurance?
Assume you mean what state? All states have either insurance or financial responsiblity laws.
Do you need a license for car insurance?
Yes since you need a license in order to drive. There are instanceswhen a company will issue a policy to a holder of a vehicle if thereis a reason for you to not be a driver of the vehicle.
How long after buying a car in California do you need insurance on it?
you have ten days from the original date of purchase to have insurance and have the car / vehicle registered in your name.
you have ten days from the original date of purchase to have insurance and have the car / vehicle registered in your name
How much is car insurance in California?
Vehicle insurance in California can range from $450 per year to$1,500+ per year depending on what coverage you want and what yourdriving record looks like.
Do you need car insurance in Mexico?
Mexican law states that the liability portion of your insurance must be from an authorized Mexican underwriter. This means that albeit US companies say they cover you in Mexico it is only for phsyical harm to your own vehile (theft, vandalism, collision) and may only be for a limited time. Finding a respected Mexican insurance company to treat this may sound difficult, the key is that they have underwriters who will be similar to US companies when it comes to paying out a claim. Grupo Nacional Provincial, ABA Seguros (possessed by GMAC) and Genworth (possessed by General Electrified) are some of the highest rated companies in Mexico. They all boast at least an A- rating from AM Best. AM Best also rates companies in the US (A rated companies in the US include State Farm, Allstate and Progressive, etc).
Do you have to have your car registered to get it insured in California?
Just the opposite. You have to have your car insured to get your registration. Find a local insurance agent in your area to give your their best price, choose the coverage you feel convenient with, and pay for the insurance. You will receive a Binder and improvised Insurance ID cards. Take these with you to get your registration and tag for your fresh car!
Do you need a licensed to get car insurance?
When it’s a self-driven car, you need license to get car insurance from any insurance company.
If your 15-year-old sister is getting her license but not a car will she need car insurance in California?
She will need to be insured for any car that she is driving..
Generally the insurance “goes after” the car not the driver but there are exceptions..
For example, if she is driving the family car she will need to be included in the policy coverage.
Do you need car rental insurance?
Before you rent a car, you should very first check your existing coverages and your credit card coverages..
If you have liability insurance, you are covered, but only for liability. Liability insurance basically provides individual coverage for you while you are in a rental car. Your insurance company will cover any damages you cause to anyone else (property and injury) or any other vehicle, up to the minimum legal thresholds required by law or the thresholds on your policy,if different. It does not cover harm to the rental car..
If you decline LDW at the rental counter and rely on your individual coverages, you most likely would be responsible for paying your usual deductible if you were in an accident with the rental car. Also, a loss-of-use fee is not normally covered by private auto insurance policies. And, private auto policies that extend collision coverage to a rental car may only provide a coverage limit equal to the value of your own vehicle. If the value of your individual vehicle is less than that of the rental vehicle, you could still incur some harm responsibility..
Some credit cards will cover harm or theft to your rental car. The coverage and the coverage amounts will vary depending on the card issuer, so you should check cautiously to see if you would be covered adequately for the rental that you are looking to take..
You are not covered just by being a cardholder; you must use the card to rent and pay for the vehicle. Some credit card plans cover accidents only if the cardholder is driving, not the cardholder’s spouse..
Check to see if the coverage from your credit card would be considered primary or secondary. For some credit card companies, its’ coverage becomes primary only if you don’t have any individual collision insurance of your own, or would only kick in after you had fatigued the thresholds of your individual coverage. Most card issuers do not provide coverages for more expensive rentals, or specailty vehicles. It is necessary to call them, or check your credit card benefits package, to see which rental vehicles they cover..
The bottom line is check into everything!!If you don’t need to purchase the optional coverages at the rental counter, you will certainly save money, but only if you are truly covered.
What documents do you need to get car insurance?
when getting car insurance for a fresh vehicle, you’ll need toprovide applicable insurance documents. The insurance requirementsto buy car insurance are essentially the same in all states, Very first document – Driver’s License, 2nd document – Social Security Numbers, Third document – Bank Information :- Insurance companies will needto have information concerning either your credit card or checkingaccount. They will most likely be running a credit check beforeoffering you a policy, since studies have shown that people with ahistory of making late payments tend to file more claims and costthe insurance company more money. Having an impeccable credithistory will work in your favor if you’re attempting to find the lowestpossible premiums and rates on car insurance. Fourth document – Vehicle Information :- The insurance company willneed to know exactly what car they are insuring with your policy.You will need the vehicle’s VIN, which is often printed on asticker located inwards the driver’s side windshield or inwards thedriver’s door. Your car dealership can help you locate the VIN ifyou are incapable to find it. Your insurance premiums and rates willlikely partially depend on the car you are driving. The newest,safest models tend to cost less to insure than older models whichlack airbags or other standard safety features.
If you do not have a car but you have a license do you need insurance?
No, not realy, if you have a car then you ned to get a insurance.
What do you need to get a car insurance?
You need the VIN (vehicle identification number) and individual information. Each company will also ask different questions based on how they calculate risk.
Do you need car insurance if you have a permit?
In order to drive a car, you must have insurance. You do not have to have insurance with a permit if you’re not planning on driving the car.
If you finance a car do you need to be on the insurance?
Not where I live (Iowa). Title and loan are in my name, insurance is in girlfriends. And that’s Two diff vehicles.
How old do you need to be to get car insurance?
Most insurance companies require a person to be Legal years old in order to purchase automobile insurance. The reason for this is that the insurance application along with the policy make up a legal contract inbetween the policyholder and the insurance company. A person who is not yet Legitimate is not a legal adult and therefore is not legally able to sign such a contract.
When does a teenager need car insurance?
They should get car insurance whenever they get a car, because if you wait, your taking chances of not having insurance, if you get in a reck! ya im getting a car soon, and you should get it rite when you get your car, you will be very glad you did
I need to know if my car is insured?
Just call the insurance company that you paid for the insurance. They can let you know if your still covered. .
If you have not purchased insurance then obviously you are not insured.
Do you need insurance to license your car?
Can you give more detail? Are you asking if you need insurance to”register” your vehicle?
Do I need automobile insurance if I do not have a car?
If you don’t have a car you would have no need for auto insurance.The only case to be made is if, due to prior infractions, you arerequired to keep an active policy in order to maintain your driverslicense. In this case you can buy a non-owners auto policy.
Do I need Car insurance with no car?
Please think about it. It iscarinsurance. So you wont. While the previous response is correct, if you want to be able to drive another persons car, either YOU need insurance, or the proprietor of the car must have it insured for all drivers. I only say this because growing up I knew people without cars who would drive a friends car, and they had car insurance only so they could drive their friends car.
What do you need to get your car that was towed for no insurance?
This is very plain. Go out there and byu an insurance policy, then go get your car. Word of advice: keep your vehicle insured at all times. It is the law, you know!
Do you need a car to get insurance?
It doesn’t make sense to keep auto insurance without a car anyway! If you do get hurt in an accident where the other driver is at fault, their insurance will pay for the damages. However if you plan on driving someone else’s car, make sure you are added on their car insurance policy as a secondary driver.
Do you need insurance if the car is not registered?
there is never a bad time to have insurance. Yes, you should regardless if the car is registered or not.
Why do you need insurance for your car?
All cars being driven on the public roads need to have at leastthird partyinsurance to be legally on the road. Third party insurance means that if, when driving your car, you have an accident that harms someone else (hit a house, kill a cow, hit another car, or injure a pedestrian) the cost of this (repairing the house, substituting the cow, mending the other car, compensating the pedestrian) will be paid for by the insurance (unless you are very rich you would not be able to meet these costs). Thus all cars must have this insurance or if you do have an accident the people you harm will not be compensated when the accident is your fault. You can voluntarily purchase a higher level of insurance which would also compensate you for your losses/injuries if you have an accident that was your fault. This iscomprehensiveinsurance. Please do not drive a car if you do not have third part insurance, apart from violating the law, if you do harm someone then there will be no money to help them.
Where can you buy car insurance in California?
There are several car insurance companies located in California, a few of them are All State, Progressive, esurance, Geico, Metlife, Mercury, 21st, Nationwide, Liberty Mutual, and Travelers. Prices vary from company to company, so shop around for the best price and policy.
Where can you get the best deal for car insurance in California?
Auto insurance rates depend on a lot of different factors, including your private credit rating, so I can’t say that a specific company will undoubtedly have the lowest rates for you. However, Allstate and Geico are often good choices for low rates.
Do you need insurance to own a car?
Yes. The insured name on any policy needs to be the possessor of the vehicle. This is not to say that the holder has to have a license and drive. If the holder is licensed they will have the be listed as a driver as will any other household members and any regular drivers. You cannot insure something you don’t own. The reason for this is that an application and policy are legal contracts and as such if a claim occurred a person who doesn’t own the vehicle cannot accept payments for the vehicle and the insurance company cannot issue payment to the holder if they are not a party to the contract. The same works with the liability part of the policy. As a matter of utter disclosure, I own and operate a petite Independent Insurance Agency for the past 22 years and worked as an agent for direct writers for Trio years prior to that.
Do you need to have insurance on a car that is not driveable?
You need to check your state law. In Georgia, any vehicle with an active tage must be insured. To cure this, if you have a vehicle that is no longer operable you take the tag off and capitulate it back to your tag office. However, if you have the tag for one day that you don’t have insurance you will be fined. I always tell my clients to give up the tag very first then take the vehicle off the insurance. I’m assuming you are talking about a vehicle that is totalled or junked and not one that just is in a shop getting worked on. In these cases keep your insurance and tag active.
Do you need a car to be an insured driver?
Not one of your own-generally you are insured by the possessor’s policy if you are using someone else’s car (with permission)
Which insurance is needed for car boot?
You nee to be much more specific in your question here. What exactly are you referring too? Car boots like the Denver boot that are used for excess parking tickets? Boots that are used for convertible tops? What are you referring to?
Does a cosigner need to be on car insurance?
In most cases these days, when people think they are a Co-Signer, they are in fact a Co-Buyer. If you are a co-buyer then by default you are a co-owner. In the event of an accident both the driver and the proprietor(s) can be sued for incurred losses. To determine this just look at the vehicle Title or Registration, If your name is there, you are in fact a co-buyer and co-owner. Unluckily, there are many car lots and salesmen out there these days who do not clarify this to the buyer(s) and permit you to think you are only co-signing when you are not. There is a Gigantic difference in the two terms where your legal liability is worriedIf you are truly a Co-signer, you would not need to be on the policy. .
Do you need insurance for a salvage car?
You only need insurance if you are going to tag it and drive it. If it is just for parts or scrap, you don’t need insurance.
Do you need car insurance for your salvage car in California?
If the car is still going to be driven, then yes it does need insurance.
Do you need to get your teenage car insurance?
Anybody that is a member of your household must be listed as a driver on your insurance policy. Outside of your household, anybody that drives your vehicle more than once per month must also be disclosed to your insurer.
Do I need rental car insurance?
I generally recommend that clients who do not have extra vehicles carry rental reimbursement insurance. For example a duo who only have two vehicles and two drivers both of who work would need a rental car is something happened to one of their cars so I recommend that they care rental coverage. .
Do you need car insurance if you paid cash for the car in california?
Congratulations for having the cash to buy your car. Will you also have the cash to pay for the $80,000 car that you hit and total in an accident that is your fault? Do you also have the cash to pay the $400,000 judgement that is awarded to the other party for injuries, lost work pay, and medical expenses. These are not unrealistic figures on losses. This is why you have insurance. It is an exchange of risk for premiums. This lowers your financial risk of loss but of course you have to pay some premium for the insurance company accepting the risk.
What is the insurance needed when renting a car?
Very first, if you have comprehensive and collision coverage on your own vehicle then check with your own insurance carrier to see if that will automatically extend to the vehicle you will be renting (as that would save you a lot of money). If it does not extend (and you have liability insurance) then you will need to get the rental company’s property harm insurance (sometimes called collision harm waiver).
What state Do you need car insurance?
I would guess all fifty, unless you can prove that you have thefinancial means to cover all the costs of liability.
Where can you get a car insurance quote in California?
The State Farm website is most likely the best website to check if your looking for car insurance quotes in California. Independant insurers such as AIS Insurance, Progressive, and Liberty Mutual also suggest car insurance quotes.
Do you need car insurance when you get your license?
Only if you intend to drive it. Whenever you drive a vehicle you take on an almost undetermined level of risk. The reason you have insurance is to treat this risk when you are not financially able to treat it yourself. Whether or not your State or Territory requires you to legally have insurance in order to drive is up to your local regulations or laws. Even if you are not legally required to have insurance, unless you can cozily take the cash out of your pocket to pay for the harm you do to the other persons vehicle, house, medical expenses, or loss of life then you need insurance. You never know how much harm you could cause in an accident in terms of financial loss to the other party or how many accidents you could have in a year. Even the wealthiest people are clever enough to purchase insurance and pass on this risk to an insurance company because in order to be wealthy the person is normally intelligent enough to know they need insurance.
Do I need to insure my car if I have drivers insurance?
It is uncertain what you mean by “driver’s insurance”. There is akind of liability insurance called “non-owners coverage” that isoften required under a state’s Financial Responsibility Law when anindividual has been in an at-fault collision, did not have therequired liability coverage and when the other party’s damagesexceeded a stated amount, or when an injury occurs. It is alsosometimes required when a judgment is entered against an individualfor an auto collision and the judgment remains unsatisfied.Non-owners coverage generally will “go after the driver” irrespectiveof the vehicle that he or she is driving. Non-owners coverageprovides no coverage for the vehicle itself such as for its repairor replacement in the event of a collision.