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Essential Requirements for Auto Insurance in San Jose as Requested by San Jose DMV

Driving a car in San Jose city involves mandatory auto insurance. San Jose laws require a minimum coverage for all vehicles participating to the traffic.

Since 2006, there is an electronic system that serves its purpose to verify that all San Jose driven vehicles have the liability insurance. This coverage provides financial responsibility for bodily injury and property damage caused by a traffic accident. Insurance companies must regularly send to the Department of Motor Vehicles electronic reports containing insurance status for every private-use vehicles. In this way, the DMV can monitor all vehicles’ insurance coverage in California State. Court personnel and law enforcement have electronic access to the insurance status provided by latest San Jose DMV records.

There are also additional consequences of this system. For example, if you are stopped by a police officer for a regular check, he can quickly verify if your car is insured or not. Even if you do not have your policy document on you, the electronic system will provide him your car’s insurance status. Anyway, you will probably receive a fine because you were not able to present the proof of your auto insurance. Besides this case, you should know that you are requested to present the evidence of financial responsibility every time when you renew your vehicle registration or when your car is involved in a traffic collision.

There are some particular situations when you will be requested to submit additional information to the Department of Motors Vehicles. You will need to send the identification card from your insurance company, an evidence that the vehicle is owned or leased by a public entity, a California Proof of Insurance certificate (the SR-22 coverage) or a DMV authorization letter (if you are self-insured).

The minimum coverage supposes the following amounts of money: $5,000 for property damage, $15,000 for bodily injury if there is just one person injured in the car accident and a maximum of $30,000 for bodily injuries if there are two or more persons injured in the traffic collision. Remember, if you don’t insure your vehicle, aside from the fact that you will get a not to be neglected fine, you will also have your vehicle impounded. Your car can be suspended if one of the following situation occurs: you provide false evidence of insurance, insurance information is not submitted to San Jose DMV within 30 days after the purchase your policy (your insurance company must send this information to DMV), or if your policy is cancelled and you do not purchase another policy within 45 days.

If for one reason or another your vehicle is suspended, you will be needed to submit your insurance information and a reinstatement fee to DMV. There is the possibility that your suspended car would be impounded so you will have to pay all the expenses by yourself if you are involved in a collision.

Therefore, purchase car insurance for your vehicle and make sure that you do not forget to renew its policy to avoid any problems you can suffer in case of road mishaps.

Enter you zip code here ad check for free the auto insurance quotes for your private car. Don’t forget: it is always better to avoid than to fix!