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OAI Outlines Particulars of the Calif. Low Cost Car Insurance Program

Sacramento, CA, April 11, 2011 --( In a new FAQ, the writers at explain the details of a program that has been helping low-income Californians maintain proper car insurance coverage for more than 10 years.

The California Low Cost Automobile Insurance (CLCA) program, says, provides access to coverage for state residents who have been continually licensed for at least three years and can prove that they are safe drivers in need of financial assistance. But in the FAQ the writers also note that the program provides only bare minimum levels of financial protection.

While the state’s financial responsibility law requires drivers to carry at least up to $35,000 in liability protection ($30,000 for bodily injury liability per accident and $5,000 for property damage liability), an exception is made for policies issued through the CLCA. CLCA policies come with only $23,000 in total liability protection ($20,000 for bodily injury liability per accident and $3,000 for property damage liability).

According to data made available by the Insurance Information Institute, in 2009 the average bodily injury claim was nearly $13,500, and the average property damage claim was $2,873. Considering the fact that these are only averages, it would not be too hard for a serious crash to exceed the bodily injury and property damage liability levels — something prospective CLCA enrollees may want to take into account.

The CLCA program was actually set to be discontinued on Jan. 1, 2011, but then-Gov. Arnold Schwarzenegger signed a five-year extension into law at the end of last year. Between 2001 and 2009, the total number of applications assigned through the low cost car insurance program went from 1,116 to 7,495, an overall increase of 571 percent.


To learn more about this and other coverage issues, readers can go to where visitors will find informative resources about finding cheap and adequate coverage as well as a quote-comparison generator that can help consumers find the best-priced coverage providers.

To access the full FAQ, visitors can follow the “Questions” link located at the top of any page on the site.

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Online Auto Insurance
Benjamin Zitney

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