What if you cannot afford car insurance?

Written on behalf of Abramson Smith Waldsmith LLP

Incredible Attorneys Who Actually Care.

Meet the Team →
  • This field is for validation purposes and should be left unchanged.

Drivers in California are all required to carry car insurance or some other type of proof of financial responsibility. Without it, drivers can be penalized in a number of ways such as having their vehicle registration suspended, be fined and be personally responsible for damage caused by an accident. Unfortunately, car insurance can be more than some can afford, which puts everyone on the road at risk. Fortunately, the state has a program in place to help low-income drivers afford insurance.

According to the State of California Department of Motor Vehicles, all drivers must carry a minimum amount of liability insurance. For personal injury, the driver must have coverage for at least $15,000 in the event one person is injured or killed and $30,000 for more than one person. Drivers must also carry coverage of $5,000 for property damage. Drivers may also choose to have collision or comprehensive coverage, but these do not count towards the minimum liability. Drivers who are not able to afford the minimum may qualify for the California Low Cost Automobile Insurance Program.

The Insurance Information Institute states that in the program, the liability amounts are lowered some and the state still recognizes this as meeting the financial responsibility requirements. To qualify, the income of the insured must be 250% or less of the poverty level and the vehicle may not be worth more than $25,000. The premiums vary from one county to another, and there are numerous payment plans available. Eligible drivers may also choose to purchase additional coverage such as uninsured motorist and medical payments.

 

 

 

 

Jeffrey R. Smith

Jeffrey R. Smith

Managing Partner

Robert B. Waldsmith

Robert J. Waldsmith

Partner, 1999

William B. Smith

William B. Smith

Partner, 1978

View All Videos

Video Center
01 06

View All Practice Areas

Core Practice Areas

Motor

Vehicle Accidents

There are two things to establish in any motor vehicle accident case: the cause of the accident (fault) and the full cost of the injuries and losses. As we prepare your case, we will investigate both of these.

Cata-
strophic

& Serious Injuries

People suffering from a brain injury, spinal cord injury or other severe injury will require extensive medical treatment, rehabilitative therapy and other long-term care.

Sexual

Abuse & Molestation

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Sports

injuries

Claims related to sports and recreation injuries can be complicated. These cases often include issues involving waivers and the “assumption of risk” defense.

Brain

& Spine Injuries

When you or a loved one suffers a traumatic brain injury (TBI), life changes dramatically. Even mild TBIs can lead to years of recovery and rehabilitation.

Other

Practice areas

The personal injury attorneys at the law firm of Abramson Smith Waldsmith LLP have more than 100 years of combined experience guiding clients through the legal process.

Scroll to Top
  • This field is for validation purposes and should be left unchanged.

Call ASWLLP Now

(415) 421-7995