Cheap California Car Insurance – Are Lawsuits To Blame For High Costs?

One of the big obstacles between you and cheap California car insurance are the number of lawsuits being filed against California car insurance companies every year that force these companies to raise their prices. While it is at times necessary to file a lawsuit in order to get the money that you need for your car insurance claim, the number of claims filed is high enough to elicit some concern from car accident lawyers, even though they are the ones who profit the most from it.

According to attorney Nick Johnson, who has offices all over the country, collisions that involve someone getting injured or killed have dropped in the past year, which should mean that the number of lawsuits should drop as well, because more California car insurance companies are sued when someone is injured. However, while the injuries have decreased, they haven’t made a dent in the number of lawsuits being filed against cheap California car insurance companies.

As a matter of fact, he says, the number of lawsuits is actually going up, despite all reason.

One of the reasons for this, according to Johnson, is that over ten percent of drivers currently on the road do not even have a car insurance policy. While the exact numbers cannot be gotten, due to the nature of driving without insurance, the numbers are high enough in theory to convince anyone who was considering not equipping them self with uninsured motorist California car insurance coverage.

Along with that, the amount of car insurance required to meet minimum liability standards has stayed the same for many years, even though the cost of health care and car repair has risen quite significantly. Having underinsured motorist coverage couldn’t hurt, either, apparently.

How Much is a Ticket In California For Driving Without Insurance?

Reader’s question:

How much is the ticket if you drive in California without an insurance?

Trish

Thank you for asking Trish.

If get caught driving without insurance in California or if you fail to show proof of financial responsibility, it is a violation of California Vehicle Code Section 16029. This can result in fines up to $500 plus penalties. Your vehicles may be impounded or your license may be suspended. If the vehicle gets towed or impounded, you are responsible for paying the tow charges and the storage fees as well.

This law, upon first conviction, a fine not less than one hundred dollars($100) and not more than $200 dollars ($200) will be assessed. Upon subsequent conviction occurring within three years prior conviction you will be assessed with a fine of not less than two hundred dollars ($200) and not more than five hundred dollars ($500).

The exact amount of the fine will be determined by the court of jurisdiction where you received the ticket as being uninsured motorist. Once the amount has been decided, you have the option to pay in person at the court and you can send the payment by mail.You may check in the court’s website if you can also pay by phone or online.

Goodluck!

MariCAR