Most states require drivers to have auto insurance coverage. Not everyone can afford to pay for it, though, and this means that there are quite a few uninsured drivers out there. California has a Low Cost Automobile Insurance Program. Other states could decide to adopt this program, eventually. California is one of the states that requires drivers to buy auto insurance coverage. Unfortunately, not every driver is going to be able to afford to purchase it, and the result is that there are a lot of uninsured drivers in California. The state imposes fines on drivers who cannot show proof … Continue reading →

In California, there is an initiative called the 2012 Automobile Insurance Discount Act. It has been described as allowing drivers who have had continuous auto insurance coverage to get a price break. If this initiative passes, will it be good for consumers? Some have raised concerns about why it might not be as good as it sounds. The 2012 Automobile Insurance Discount Act is designed to do a number of things that sound like they would be good for California drivers. It would give drivers who have had continuous auto insurance coverage a discount on their premiums. This discount would … Continue reading →

A study shows that allowing undocumented, (or illegal), immigrants to get driver’s licenses doesn’t have a significant impact on the percentage of uninsured drivers in New Mexico. Neither does requiring a person to have lawful residency identification in order to obtain a driver’s license. A study was done by J. Tim Query, an associate professor of finance and business law at New Mexico State University. The purpose of the study was to find out if there was a link between the number of uninsured motorists in New Mexico and allowing undocumented immigrants to have a driver’s license. Many people are … Continue reading →

Summer is the time of year when you will find the most drivers on the road. People are using their vacation time, and traveling with their families. Ideally, if a car accident happens, both drivers will be covered by insurance. Unfortunately, a survey finds that one out of seven drivers lacks auto insurance. Many states have created laws that require all drivers to be covered by an auto insurance policy. If you live in one of these states, then you probably complied with the law, and purchased the necessary insurance. Even if your state doesn’t make you buy car insurance, … Continue reading →