Proposition 103 protects California consumers when purchasing and maintaining
automobile insurance. Some of the key provisions of Prop. 103 are:
"Good Driver" Discount. A Good Driver is a person who has been licensed for at least 3 years
and has no more than 1 point on his/her driving record. Every California
insurance company must offer coverage for Good Drivers. No insurer can
refuse to offer coverage if you qualify as a Good Driver and Good Driver
discounts must be at least 20% lower than for other drivers.
Cancellation/Non-renewal Provisions. There are only 3 reasons an automobile policy can be canceled (or not
renewed) once it is issued: fraud/material misrepresentation; non-payment;
or substantial increase in the hazard insured against. Your insurance
company must give you a 10 day written notice before it cancels your policy.
This gives you an opportunity to pay the past due amount and keep your
policy in force.
Uniform Insurance Rates. Prop.103 established uniform guidelines which determine your auto insurance
rates. The primary factors are: the operator's driving safety record;
the number of miles driven annually; and the number of years of driving
experience. In addition, there are 16 secondary rating factors which may
be used to determine your specific rate. Secondary factors are not as
important as primary factors. Secondary factors include gender, marital
status, vehicle type, where your car is garaged, etc.
Many clients who have been injured in a car accident think that filing
a claim for their injury will cause their insurance rates to increase.
In addition to filing a claim against the other driver's insurance,
there may be additional benefits or compensation by filing a claim on
your own policy as well. If you've been involved in a car accident
and are unsure whether it is worthwhile to file a claim with your own
give me a call
and let's talk about it.