You are required as a matter of law in the State of California to maintain liability insurance with limits of no less than $15,000/$30,000 if you are operating your motor vehicle on public roadways. Your failure to maintain liability insurance could not only impact your ability to register your vehicle with the Department of Motor Vehicles, it could subject you to significant monetary fines in the event your are cited for driving without insurance. An additional, little known consequence of driving without liability insurance is that you forgo your right to pursue damages for pain and suffering in the event you are involved in an accident caused by another.

A short time ago, California voters passed Proposition 213. This Proposition had the effect of barring one involved in a motor vehicle accident from asserting a claim for general damages (pain, suffering, emotional distress and loss of quality of life), if that individual was driving without insurance at the time of the accident. Proposition 213 has no effect upon one’s right to assert a claim for special damages (medical expenses, loss of earnings, and property damage).
The consequences of Proposition 213 are significant for anyone involved in a serious accident. If you are […]

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