Have you wondered if you are paying too much for your automobile insurance in San Bernadino CA? We can certainly help you find the answer to that question.
So many consumers are throwing away their money by paying higher premiums than necessary for their San Bernadio automobile insurance. Let us help you get the best insurance rates possible.
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Your motor vehicle report will be requested from the Department of Motor Vehicles whenever you apply for automobile insurance. The insurance company will then receive the record that contains your driving information such as any accidents in which you have been involved, any traffic violations, and any suspensions of your license.
An MVR report will be requested for every person who will be insured on your policy as a driver. You MUST disclose all of the above-mentioned incidents to the insurance company when you apply.
Owning or using a motor vehicle brings certain obligations and risks. Insurance is one way to help pay for those obligations.
An insurance policy is basically a contract between an insurance company and an individual. The company is agreeing to provide coverage for the individual in exchange for a specific amount of money that is called a premium.
The coverage means that the company is obligating itself to pay specific sums of money for covered expenses and legal liabilities for which you may become responsible. The policy will specify the terms.
Not having sufficient amounts of insurance coverage can produce devastating results. A person's assets can be lost in some cases. Therefore, it is wise to carry proper amounts of insurance.
In California, drivers are required to carry liability insurance. Minimum amounts allowed are:
* $15,000 payment for injury/death to 1 person
* $30,000 payment for injury/death to 2 or more people in any one accident
* $5,000 payment for damage to another's property
"Points" are added to a person's driving record in California for moving traffic violations such as making an unsafe lane change, speeding, makind an illegal U-turn, and running a stop sign or red light.
If a young person under the age of 18 gets 2 points added to his driving record in 12 months, he can get a 30-day restriction. If he gets 3 points in 12 months, the minor's license can be suspended.
A Class C driver's license can be suspended or even revoked if that driver has 4 points or more added to his driving record in a 12 month period. Or if he has 6 points added in 24 months, the same thing can happen. Likewise, if 8 points are added in 36 months, suspension or revocation can occur.
Even if a person's license doesn't get suspended, premiums can be raised as the result of points added to a driving record. Insurance companies periodically check driving records for issues like added points.
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