California has a program designed to decrease the amount of uninsured drivers in their state. The California Low Cost Auto Insurance Program assists needy families with obtaining car insurance with rates lower than normal. The theory behind this program is brilliant. California legislature decided that more motorists would buy insurance if it was affordable. How long did it take them to figure THAT out? Needless to say, now California car insurance is cheaper for people who qualify, but there are some downfalls to this program.

California car insurance through this program is only available for one vehicle per household. It also has inadequate coverage, only meeting the state required minimums, and it must be requested through an agent. There are positive outcomes. Now more people have insurance and since they don’t want to lose their house because of inadequate coverage, they may be driving cautiously so they do not cause a crash. Minor damages from low impact accidents are now being covered.

California has thousands of beautiful people concerned about their looks. Celebrities, actors, and models often insure their looks, legs or other limbs for millions in case they lose those attributes, thus losing their jobs. People have claimed in court that their looks are needed for employment and they have won these lawsuits. A simple scratch on a cheek or forehead can cost the at-fault driver thousands and sometimes a million or more dollars. Unbelievable, but true. California car insurance minimum requirements will not even come close to satisfying claims such as these.

Beautiful people like expensive cars. Replacing the chrome alone on a high priced vehicle will exceed the California car insurance state minimums. A simple fender bender could cost $20,000. If you don’t have any assets or you are a multimillionaire, you may not be worried about higher coverage amounts, but if you have a lot of assets such as stocks, a house, or substantial savings that could be relinquished in a lawsuit you may want to increase your liability amounts.

Living in California is great. You have pristine beaches and gorgeous mountains only miles from each other. The jobs are fun and satisfying and the night life is exciting. The views are breathtaking and the soul can be revitalized in hours from the tranquility of the rural areas. There is something for everyone in California. California has it all. Make sure you don’t get it all taken because you didn’t have enough California car insurance liability coverage.

By: Mary Duares

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