Automotive Insurance Coverage Los Angeles California CA
Reader’s Question:
Hi, I’m from Los Angeles, CA and I have two cars. One of my cars is not insured nor registered since it’s already old and I’m just keeping it because of its sentimental value. The car is still working although I seldom use it. I’m wondering if it’s okay to have it parked in the street even if it’s not registered or insured.
Anne
Los Angeles, CA
Every state has its own set of rules – each depending on how to go about their need to protect their people. Apparently, the rules on insurances vary per state, too. Typically, a state would require that a car be registered and both the vehicle and the driver be insured. It may be possible for the state to mandate a law on parking insured vehicles only to ensure that whatever accident may happen, the vehicle is still covered.
When it comes to cars that are seldom used, there are also a different set of rules regarding its registration (and insurance). There in Los Angeles, California, there is a law that requires that vehicles that are driven, garaged, or parked on public roads or on an off-road parking facility be currently registered. If you consider your vehicle as belonging to any of these categories, then I suggest you have it registered. Otherwise, you don’t have to avail any of the two but pay a non-operation plan fee instead since the vehicle would most likely be off the road. A car insurance and registration work hand in hand because you must have a registration in order to get an insurance, and since the state requires that operable vehicles be registered and insured, you are likely to get both. However, in your case, since you seldom use your car, you may apply for an auto insurance premium which will allow you to pay a lower rate than what you pay for your other vehicle since it is already considered as a “low risk.”
Tags: auto insurance, car insurance
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