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Four Financial Responsibilities of Car Insurance Policy Holders in San Jose

San Jose city, as part of California State, impose the same car insurance laws as all over in California. Concerning vehicles’ insurance, California uses a so-called ‘tort’ system. This means that the non-guilty driver who has suffered bodily injuries in a car accident must require compensations to the faulty-part car insurance company. Still, you should know that a party must be proven guilty before there is a legal liability. Concerning auto accidents, the injured party must prove that the other party caused the accident.

San Jose follows the pure comparative recovery negligence law. For example, if you are considered 40% at fault, you can recover damages for the remaining 60%. Each party’s negligence is compared to the others and damages are awarded according to percentage of fault. However, cases involving fault issues are often quite complicated. If you ever find yourself in a similar situation, you should hire an attorney with high background in handling car accidents and comparative negligence matters.

San Jose’s drivers can accomplish their financial responsibility in multiple ways: they can purchase at least the minimum mandatory coverage – the liability insurance policy; they can provide a deposit of $35,000 for the Department of Motor Vehicles (this amount is greater than the maximum amount paid by the insurance companies in case of a car accident with more than one injured person, which is $30,000); another way in order to prove financial responsibility is to obtain a certificate of self-insurance from DMV – this option is available only for fleets of minimum 5 cars; finally drivers can obtain a surety bond for $35,000 from a licensed insurance company.

Every driver and car owner is eligible to obtain their own auto insurance in San Jose. However, there are certain factors which can dramatically reduce your eligibility. You should carefully consider your payment history, driving record, and your personal credit history and credit score. If in the end you don’t find a company willing to insure your car, you can get the liability coverage through the California Automobile Assigned Risk Plan (CAARP). This type of plan is designed for drivers who don’t qualify for auto insurance at any provider in the state.

Pay attention if you’re moving from another state to California, particularly in San Jose city. Make sure to avoid a lapse of coverage. If this particular situation occurs, you might be subjected to penalties and risk your vehicle’s registration to suspension. If you already live in San Jose city and you already have car insurance but failed to renew it in time, you also risk yourself getting some specific fines and penalties.

Remember that you are requested to prove you’re financial responsibility in order to legally drive in San Jose city. The simpler and most affordable solution would be to purchase auto insurance in San Jose for your vehicle. Enter your zip code here and check the rates. There are special offers for the local drivers. Don’t lose this opportunity!

Three Effective Solutions to Get San Jose Cheap Car Insurance

If you live in San Jose city and you own a car, you are required to purchase at least the minimum coverage policy. However, if you do not drive your car, it will be most likely that you would not want to spend money on your car insurance. In this case, you have two solutions.

You can buy San Jose cheap car insurance just to make sure that your car has all needed documents and could eventually drive it if it’s needed (fines for driving an uninsured car can gets up to $200 with other specific penalties).

The second solution would be to contact the Department of Motors Vehicle and inform them that you are no longer driving your car. If you chose the second solution, you will have to fill in a particular form called ‘Affidavit of Non-Use’. By submitting this file, you will avoid the cancellation of your car’s registration, the suspension of your driver’s license and other specific penalties. If despite the fact that you don’t want to use your vehicle anymore, you will receive a registration renewal notice and will have to submit to DMV a Certificate of Non-Operation or a Planned Non-Operation Certification.

However, if you own a car and you would like to use it but can’t afford any particular coverage type you should know that there alternative car insurance options. What you can do is to apply for a state-sponsored policy. There are two parallel programs which might be a help to you. If you are a San Jose resident with a clean driving history and qualified as a low income earner, you can apply for a car policy through the California Low Cost Automobile Insurance Program. If you don’t qualify for this program and if you are considered to be a high-risk driver with no insurance company willing to sign with you, you can get help through the California automobile Assigned Risk Plan (CAARP).

If you’re willing to purchase car insurance, you are a low-risk driver and not a necessarily low income earner; you will not qualify for either of the above solutions. What you could do in order to get an affordable car insurance is to make sure that you are eligible for particular discounts as: mature drivers discount or multi-car discount, or even anti-theft discount. Aside from these, you could lower your rate with other factors affecting your rate policy. Take your time to learn about all these factors and to benefit from them.

One more particular thing that could help you to obtain San Jose cheap car insurance is the state-mandated good driver discount: if you have your driver’s license for at least three years with no more than one point on your driving record since then and you haven’t been found at fault in any fatal car accident or that produced a minimum of $100 damage of property, you will certainly qualify for a 20% discount.

Don’t prevent yourself from purchasing auto insurance just because you’re afraid of the high rates. Enter your San Jose zip code and carefully check the policy rates. You will certainly get a cheap car insurance fulfilling all your requirements.

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!

What is the Pure Comparative Negligence Concept in the Case of Car Insurance San Jose?

Because San Jose follows the ‘fault’ system regarding traffic collisions and before you get car insurance quotes in San Jose, you should know the process in order to determine who is at fault if an accident occurs. If you are involved in a car accident, you would certainly like to cover all your damage costs and perhaps medical bills through car insurance company’s expenses. If you only have purchased the basic minimum coverage, you will need to repair your car and pay the medical bills by your own if you’re the faulty-part. But according to the California laws, the fault might be divided between the drivers involved in a car accident. If you are considered to be guilty in that accident but you consider that you are not totally to be blame with, you can file a lawsuit for car accident negligence against the other drivers involved in the incident. Assuming that there were 2 involved drivers, during the lawsuit both drivers will try to prove that he is not guilty and there was the other driver’s negligence as the cause of the collision. You can try to defend yourself with the witnesses, if there’s any.

During the lawsuit, there will be a use of the pure comparative negligence concept. Even if the driver who filed the lawsuit has a slightly fault, he will still recover the percentage he is not at fault from the defendant. This means that the fault will be spread in proportional or degrees fault. In this situation, you might end up with a fifty-fifty fault percentage or something similar to these (of course, these percentages are purely informative and will vary from one lawsuit to another depending with the given situations).

For example, if you are found at fault with a percentage of 30%, you will still be able to recover 70% of the total accident related expanses you made (medical bills, car’s reparation). You will receive this amount of money from the other driver’s car insurance company.

In case you are wondering which might be the negligence cases, where the percentage fault applies, you can find some examples below.

If you drive with a high speed, you might be accused of driving without enough care. But if you were about to cross a highlighted hazard zone, you might defend yourself for driving too fast because some of these zones are especially created to allow drivers to increase their vehicle’ speed.

Another situation could be if you’re charged by failing to pay attention. This usually happens if you are involved in a car accident with a construction vehicle when the other vehicle was not flagged as it is supposed to be.

There are plenty of examples of driver’s negligence like: intentional and reckless acts, illegal turn from a wrong lane, inappropriate use of vehicle’s brakes, failure in maintaining safe distance among vehicles involved in traffic, vehicle defect and the list could longer continue.

You could simply avoid these situations by purchasing collision coverage. In this case, even if you’re the faulty part your expenses will be covered by your insurance company.

To avoid uncomfortable situation, choose the appropriate auto insurance for your needs. You can check the best car insurance quotes in San Jose by entering your zip code here.