§ 11629.75
479 words·~2 min read·
/ca/insurance-code/11629-75A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
(a)A certified producer shall provide to an applicant for a low-cost automobile insurance policy under this article a notice relating to coverage under the policy. The notice shall be provided in a separate document at the time of application and include the following statement in 14-point boldface type:
“Notice
This policy provides liability coverage for injuries or death caused to other persons in the total amount of ten thousand dollars ($10,000) per person in any one accident, and up to a total amount of twenty thousand dollars ($20,000) for all persons in any one accident. The policy also provides up to three thousand dollars ($3,000) in liability coverage for property damage in any one accident.
These limits are very low compared to coverage outside of the low-cost automobile program.
If you are at fault for an accident where the damage exceeds the coverage provided by this policy, you can be held personally responsible for the losses.
If you want higher coverage limits, you must purchase a different policy.
This policy does not cover damage to your own vehicle caused by you or anyone else. The plan offers uninsured motorist coverage as an option. However, comprehensive coverage and collision coverage are only available for purchase outside of the program.
This policy does not cover your bodily injury or your death. You do have the option to purchase uninsured motorist bodily injury coverage in the total amount of ten thousand dollars ($10,000) per person in any one accident and up to a total amount of twenty thousand dollars ($20,000) for all persons in any one accident. You also have the option to purchase medical payments coverage in the amount of one thousand dollars ($1,000) per person in any one accident.
This policy does not cover any other driver in your household who meets any of the following criteria:
(1)Is under 16 years of age.
(2)Has less than three years of continuously licensed driving experience (unless the policy includes a surcharge for this driver).
(3)Has more than one at-fault property damage only accident in which the driver was principally at fault in the last three years.
(4)Has more than one point for a moving violation in the last three years.
(5)Has both one at-fault property damage only accident in which the driver was principally at fault and one point for a moving violation in the last three years.
(6)Has had an at-fault accident in the previous 3 years involving bodily injury or death.
(7)Has a felony or misdemeanor conviction from a violation of the Vehicle Code on their motor vehicle record.”
(b)When the certified producer establishes delivery of the disclosure form specified in subdivision
(a)by obtaining the signature of the applicant or insured, there shall be a conclusive presumption that the certified producer has complied with the disclosure requirements of this section.