California Auto Insurance
Reader’s Question:
If I have a vehicle that I do not drive, do I have to place insurance on it?
Jim
Los Angeles, CA
California has guidelines for inoperable vehicles. California law requires cars to have current registration if they are operated, stored, towed, parked on public roads or highways or parked in an off-street public parking facility at any time during the registration period.
If you have an inoperable cars in CA and it will not be in any of the places listed above, you can apply for non-operational status on the car and pay a planned non-operation (PNO) fee. Once this status is placed on a car’s record, it stays until you decide to operate the car and pay full registration renewal fees.
Uninsured Motorist Car Insurance Los Angeles, CA
Reader’s Question:
Can you please explain to me what an uninsured motorist coverage is? I live in LA, California.
Andy
Los Angeles, CA
Uninsured motorist can be for either for property damage or bodily injury. Uninsured motorist bodily injury (UMBI) covers the insured, members of the household and the passengers for any injuries or death caused by an at-fault uninsured driver. A UMBI policy covers the medical bills of those injured up to the limits of the insurance policy.
The exact coverage and terms differ with the insurance policy and applicable state laws and regulations, but typically an uninsured motorist policy will reimburse you for medical expenses, lost wages, and damages such as pain and suffering.
The UM policy usually covers the motorist and passengers, also anyone operating the vehicle with permission. It may even cover such damages when the insurance policyholder is struck as a pedestrian by an uninsured driver.
Each state has different limitations and regulations to determine the UMPD limits. For instance in California if you don’t have Collision coverage, Uninsured Motorist Property Damage coverage pays up to $3,500 for repairs to the insured vehicle. Uninsured Motorist Property Damage coverage pays your Collision deductible if you have Collision coverage.
Loading ...