Direct Auto Insurance Concern
Hi everyone, I have Direct Auto Insurance, which is a smaller company located in Georgia, but I live in California. I’ve noticed that my coverage limits haven’t been updated to meet California’s minimum car insurance requirements. I just recently got my license back in December after it was suspended for a year due to not having insurance during an accident. Now that I finally have insurance, I’m worried it’s not compliant, and I might face penalties.
What should I do?
It’s important to address the situation with your insurance coverage as soon as possible to avoid any potential penalties. Here are some steps you can take:
Contact Direct Auto Insurance: Reach out to your insurance provider immediately. Ask them to confirm your coverage limits and whether they meet California’s minimum insurance requirements. If they don’t, request an update to your policy.
Understand California’s Minimum Requirements: Familiarize yourself with California’s minimum auto insurance requirements, which include a liability coverage of at least $15,000 for injury or death of one person, $30,000 for injury or death of multiple people, and $5,000 for property damage.
Get Written Confirmation: If Direct Auto Insurance adjusts your coverage, make sure to get written confirmation of the updated limits. This will protect you if any issues arise later.
Check for Penalties: Reach out to the California Department of Motor Vehicles (DMV) to inquire about your specific situation. They can provide guidance on any potential penalties you may face and any steps you can take to rectify the situation.
Consider Alternative Insurance Options: If Direct Auto Insurance cannot meet California’s requirements, you may want to shop around for other insurance providers that can offer you the necessary coverage.
Document Everything: Keep records of all your communications with the insurance company and the DMV. This will be useful if any disputes arise.
Taking these steps will help ensure that you are compliant with California law and can avoid any penalties. Good luck!