Low cost insurance program may come to Lassen County
According to a flyer announcing the meeting, “California law requires that all drivers be insured. However, too many low-income drivers remain uninsured because the costs of standard auto insurance programs are beyond their financial reach. The California Low Cost Automobile Insurance Program’s purpose is to provide a low-cost automobile liability insurance option to good drivers who demonstrate a financial need.”
The program was approved by the state legislature in 1999.
“Insurance Commissioner Steve Poizner has made an initial determination that Lassen County meets the criteria for the expansion of the program,” the release said. “The department now needs to hear community comment on the benefits and need of this insurance program in your community.”
The program currently is available to residents of Alameda, Contra Costa, Fresno, Imperial, Kern, Los Angeles, Merced, Monterey, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Barbara, Santa Clara, Sonoma, Stanislaus, Tulare and Ventura counties.
CLCA policies provide liability coverage for a vehicle’s primary driver and eligible secondary driver. CLCA policies are limited to no more than two policies per person.
Maximum liability limits are $10,000 bodily injury or death per person/$20,000 per accident and $3,000 property damage per accident.
Additional CLCA benefits are available for an additional charge, including $1,000 per person medical coverage, $10,000 per person/$20,000 per accident uninsured motorist bodily injury coverage.
According to a fact sheet from the state, “CLCA coverage limits are less than the mandatory basic-limits policies, but California state law provides that a CLCA policy satisfies the state’s financial responsibility laws.”
The program is available to low-income drivers in eligible counties whose family household income does not exceed 250 percent of the federal poverty level.
A one-person household may earn a maximum of $25,525, a two-person household may earn a maximum of $34,225, a four-person household may earn $51,625 and an eight-person household may earn $86,425.
Applicants must be at least 19-years-old and have been a continuously licensed driver for the past three years.
Applicants must also qualify as a good driver by having no more than one at-fault property damage only accident or no more than one point for moving violations in the past three years.
Good drivers must not have a felony or misdemeanor conviction for a violation of the vehicle code on their vehicle record.
Other restrictions include, the value of the car to be insured must not exceed $20,000; college student applicants may not be claimed as a dependant on another person’s federal and/or state income tax return; and, a policyholder may not purchase or maintain an automobile liability policy other than the CLCA policy for any vehicle in the household.
For more information, call Michael Hilliard at (213) 346-6866 or (866) 602-8861.
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