Every driver in Santa Ana, California, needs at least minimum liability to drive legally on public roads. Otherwise, they may face a fine for not showing proof of insurance if they get pulled over. However, many myths still exist that confuse drivers, so they often don’t make informed decisions.
Drivers only need minimum coverage
While drivers only need minimum liability, it only covers to the limit of the policy. For example, California requires a minimum of $15,000 per person, $30,000 per accident, and $5,000 in property damage. However, if an MVA costs more than the minimum, the driver is at risk of lawsuits and liability doesn’t cover their vehicle.
The color of the vehicle matters
One study found 44% of Americans believe certain vehicle colors, such as red, raise insurance rates. What really influences rates is the repair costs, make and model, and vehicle age. This is likely based on how certain vehicle colors and models may attract risky drivers, and they stand out among other vehicles.
Insurance covers other drivers not on policy
Though a policy typically follows the car and not the driver, this may vary. Drivers should read their policy to determine what it covers, but most policies cover permissive use with limits. If the vehicle gets stolen and the thief causes damage or accidents, drivers aren’t typically responsible.
Premiums increase after every traffic ticket
While certain violations add points to a license, a one-off minor traffic ticket with a clean record usually doesn’t raise premiums. Some providers may not raise rates after one speeding ticket, but most providers take DUI seriously.
Drivers with even one DUI usually must purchase a special coverage called SR22 and keep proof in their vehicle. If a driver has concerns about points or infractions, they may often take driver’s education to remove them.
Knowing myths will help avoid confusion and disputes if a driver gets into an accident. Sometimes, insurance companies do not make good assessments, and some underwriters may lack legal understanding.