Los Angeles Automobile Insurance

Los Angeles automobile insurance is required if you have a vehicle in California. You must provide proof of insurance when you renew or obtain new vehicle registration, when requested by a law enforcement officer, and when your vehicle is involved in an accident.[1] When getting the registration on your dream car, it is important that you have enough Los Angeles insurance and that you are aware of what your minimums are so that you can keep that car on the road.

This proof comes in the form of documentation from the insurance company, evidence that a public entity owns the vehicle, an authorization letter from the DMV, or another piece of official documentation that says the vehicle has Los Angeles automobile insurance.[1]

As for the minimum Los Angeles auto insurance requirements, the amounts are $15,000 for bodily injury or death of an individual in an accident, $30,000 if injury or death occurs to more than one person, and $5,000 for damage to another's property. [1] The issue that faces many, however, is that the minimum amounts of Los Angeles auto insurance may not be enough in the case of an accident and could result in financial loss.

Furthermore, an automobile owner in CA can have their vehicle registration suspended if the DMV is informed of a cancelled policy that has not been replaced within 45 days. When new registration is applied for, insurance must be shown within 30 days. Registration suspension may also occur if false evidence of insurance is provided to the DMV [1]

Your Dream Car

If you are looking to purchase your dream car in California or you already have it and need a Los Angeles car insurance policy, comparing policies through Los Angeles vehicle insurance quotes can help you to secure the right policy.

What is right for you can be a good question, though. You've wanted this car for so long. It would be rather devastating to be in an automobile accident and not have enough coverage to cover the damages. Unfortunately, this is something that happens too often in Los Angeles. Although traffic congestion is only a problem in some places, Los Angeles does have some odd intersections that can result in accidents.

This means you may want to add on to the minimums required by the state or look into full coverage Los Angeles auto insurance. Full coverage contains collision, which means your automobile is covered if involved in a collision with another automobile. In this case, you will have a deductible. What is helpful, however, is that you can lower your premium by increasing your deductible. You do need to make sure you do not opt for a deductible that is beyond what you can afford to pay, though. The reason is because you cannot get your dream car repaired unless you can pay that deductible. The only time you don't have to pay the deductible is when an incident falls under the comprehensive portion of a full coverage California car insurance policy.

Comprehension is the part of a full coverage Los Angeles automobile insurance policy that covers you in case you are involved in a collision with an animal or when an act of nature occurs. Although the state is not one for tornadoes or extreme weather, it is a state that is susceptible to earthquakes, so having comprehensive coverage on your automobile may be worth your while, especially since Los Angeles is an area that frequently experiences earthquakes. You never know when the next Los Angeles earthquake may be one that knocks a tree onto your dream car.

You never know when an automobile accident, a collision with an animal, or an act of nature may compromise your vehicle. Because your automobile is a significant investment, you want to make sure you protect it to the fullest.

Classic Car Insurance

If your automobile is a classic, then the CA coverage you get for your car does not have to be very high. You do need to maintain the minimums required by the state, but that's all if you want it to be all. Classic cars are usually not driven often, which can also lower the premium. The less an automobile is driven, the lesser the premium. That is one of the aspects that are used when determining the premium amount of your Los Angeles policy.

It is up to you how much Los Angeles automobile insurance you have on your classic car. For instance, you may attend car shows in California that require the automobile to be driven or transported for quite a distance. In this case, you may want more coverage so that you can cover damages. It is quite likely you have put a lot of work into that automobile, whether it is your dream car or a classic, so you want to protect it.

[1] http://www.dmv.ca.gov/pubs/brochures/fast_facts/ffvr18.htm 06/09/10

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