Direct Auto Insurance Inquiry
Hi everyone, I have Direct Auto Insurance, a smaller company based in Georgia, but I live in California. I recently discovered that my coverage limits haven’t been updated to align with California’s minimum car insurance requirements. I just got my license reinstated in December after being suspended for a year due to a previous accident involving a lack of insurance. Now that I have coverage, I’m worried that it might not be legal. Will I face any penalties for this?
What should I do?
It’s important to address the coverage limits to ensure you’re compliant with California’s legal requirements. Here are some steps you can take:
Contact Direct Auto Insurance: Reach out to your insurance provider as soon as possible. Explain your situation and ask them to verify that your coverage meets California’s minimum requirements, which typically include liability coverage of at least $15,000 for injury or death to one person, $30,000 for injury or death to multiple people, and $5,000 for property damage.
Request an Update: If your coverage does not meet the minimum requirements, request an update to your policy to ensure it is compliant. They should be able to adjust your coverage quickly.
Documentation: Keep records of all communications with Direct Auto Insurance and any documentation regarding your policy updates.
Check Penalties: Inquire whether there will be any penalties for having insufficient coverage during your suspension period. This will help you understand any potential consequences.
Consider Alternative Insurance: If Direct Auto Insurance is unable to provide the necessary coverage, consider shopping around for other insurance providers that can meet California’s requirements.
Stay Informed: Familiarize yourself with California’s specific car insurance laws to ensure future compliance.
Taking prompt action will help you comply with the law and avoid potential penalties. Good luck!