Uninsured Drivers

California Car Insurance Laws and Requirements

To ensure that all drivers can provide for financial and medical expenses resulting from an accident, most states require drivers to purchase auto insurance to operate a vehicle. If you are new to California, you might not know what coverage is necessary to purchase. The last thing you want to happen to you is getting caught with the wrong coverage.

VIP 360 has compiled a short and easy guide to lead you in the right direction when it comes time to purchase auto insurance. Let’s review what you need to know about insurance laws and requirements in California.

Mandatory Coverage

The state of California requires that all motor vehicles registered in the state are covered by a minimum level of liability auto insurance. Every driver who operates a vehicle statewide, including those with out-of-state licenses or unlicensed drivers, are required to follow the minimum insurance requirements.

You are required to have the following types of liability coverage in California:

  • Bodily Injury Liability (BI)– When you are found legally responsible for a car accident, bodily injury liability coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense if you are sued for damages. You are required to possess bodily injury coverage of at least $15,000 per person, and up to $30,000 per accident in California.
  • Property Damage Liability (PD)- Property damage liability coverage is required by law in most states. It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front. Property damage liability coverage usually does not cover damage to your own vehicle. In California, drivers are required to have a minimum of $5,000 in Property Damage Liability coverage.

Proof of Insurance

It is also important to carry proof of your insurance policy with you whenever you are behind the wheel in California. Make sure to carry an insurance ID card that lists the name of the policyholder, insured vehicle, policy number, and the start and end dates of your policy.

When you are pulled over without enough evidence of insurance, you could get your vehicle impounded and your driver’s license or vehicle registration could be suspended. Fines in California can range from $100 – $200 for the first offense, and $200 – $500 for each subsequent offense within three years of the first.

These are the main insurance laws and requirements in California. Contact a professional from VIP 360 to get up-to-date information on everything that you will need to know about car insurance requirements in California. In search of better coverage with lower rates? Call VIP 360 Insurance today to see how we can help you!

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Summer Fun with VIP 360 Insurance

It’s sweet summertime in Los Angeles once again. There are so many exciting things to do and of course, you’ll most likely be driving to from place to place to attend the fun-filled activities the City of Angels has to offer.

Before you hit the roads this summer in LA, it’s time to put on the brakes and make sure that you’re an insured driver. What happens if you don’t have car insurance? Not only are you breaking the law, but a multitude of negative things may occur such as racking up fines up to $2500, jail time, and unexpected auto accidents… Yikes! No one wants to be put in a situation where out of pocket costs could potentially drain your wallet.

The cost of getting auto insurance may be a top concern for you. Auto insurance in California should never be expensive. Calling VIP 360 Insurance to save money on your car insurance this summer would be the smartest move to make. We’ll save you money and provide you the best coverage possible. Based on the information you provide we’ll seek out different companies that provide auto insurance in your area and find you the best rates.

Now that you know where to go to save money on car insurance, it’s time for you to go enjoy all the summertime activities that Los Angeles has to offer. We at VIP 360 Insurance have compiled a short list of suggestions so that you can join in on the summer fun.

Summer Activities in Los Angeles Summer 2018

Hollywood Forever Cemetery Movie Screenings (July 14th-August 26th). If you’re a movie buff, this event is just for you. Cinespia will once again be hosting movies screenings of cult classic films at the Hollywood Forever Cemetery. This is an L.A. rite of passage for many Angelenos that people flock in masses to attend. Cult classic movie favorites such as Casablanca, Almost Famous, and Drive have been shown so far this year. Don’t forget to line up early with your picnic blankets, snacks, booze, and folding chairs to get a good spot! Visit http://cinespia.org/ for times and further info.

Treat yourself to the best Ice Cream in LA. Ice cream is a popular summertime treat when the temperature rises in Los Angeles. Salt & Straw, a Portland-based ice cream company, has become all the rage amongst Angelenos with locations in Venice, Studio City, Arts District, West Hollywood, and Larchmont Village. This artisanal ice cream shop uses only the best “farm to cone” ingredients that are exclusive to Southern California. You can’t go wrong with unique yet robust flavors such as Avocado Strawberry Sherbet, Freckled Woodblock Chocolate, and Almond Brittle.

Enjoy open-air dining at Grand Central Market. Grand Central Market is an open-air food court tucked away in the heart of Downtown L.A. Patrons can choose from a plethora of favorite cuisines such as freshly made pasta from Knead & Co., ramen from Ramen Hood, mouthwatering BBQ from Horse Thief BBQ, and breakfast dishes from Eggslut. Grand Central Market also hosts scheduled events throughout the week such as live music and Drag Queen Bingo.

VIP 360 Insurance is a multi-insurance destination. We provide auto insurance, home insurance and motorcycle insurance in California. We specialize in auto insurance, SR-22, and DUI insurance. Call us for a free quote at 800-254-9164.

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Father’s Day in Los Angeles 2018 VIP Insurance

It’s that time of the year again for all of the fathers in America to feel extra loved. Father’s Day 2018 in Los Angeles is coming up. If you’re a father, you already know that it’s one of the greatest feelings in the world. There’s always something going on in Los Angeles, CA for this special day.

What are you doing for Father’s Day in Los Angeles 2018? We know of a few events, but before you think about anything, you should make sure that you are an insured driver. This leads us to another important question… Do you know where to get cheap car insurance in Los Angeles? We hope you do. If you don’t, it’s all good! All you need to do is contact us at VIP 360 Insurance. We would love to help you out. 

Now that you know that you are aware of how to become an insured driver, it is time to have some fun! Here is a list of cool events that you can participate in for Father’s Day.

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SR-22 in Los Angeles 2017 Fourth of July Edition

 

Guess what? The Fourth of July is almost here. We all like to go out and celebrate Independence Day, but sometimes having a little too much fun can result in trouble such as racking up a DUI conviction.

DUI convictions loom around the corner every Fourth of July waiting to ruin your fun and change your life. No one like to talk about it but the more we talk about it, the more you will be informed you will be and know what to do when the situation arises. If you happen to get a DUI, no worries. An SR-22 in Los Angeles can fix most of your problems.

Are you familiar with what an SR-22 is? IThis document will be quite useful if you need DUI Insurance in Los Angeles. Without it, it’s hard to get your driver license back. Without your drivers license, how are you supposed to get around town? That won’t be an easy feat if you live in a major city like Los Angeles.

We’re going to tell you everything you need to know about SR-22’s.

 

Why Do You Need an SR-22 in Los Angeles?

Do you know what an SR-22 is?

Let us tell you it is… an SR-22 is a vehicle liability insurance document required by the Department of Motor Vehicles (DMV) for high-risk insurance policies. It reinstates your driving privileges after a DUI conviction or an uninsured car accident.

An SR-22 may be required for up to five years depending on the state your conviction was in. In California, it’s about three years.

How can I obtain an SR-22 in Los Angeles, CA?

That’s the easiest part. Let us help! After you get an SR-22, you’ll be able to get DUI Insurance in Los Angeles or anywhere in California.

Now that you are informed, go out and have a good Fourth of July!

VIP 360 Insurance provides an SR-22 in Los Angeles and for the entire state of California.

Cheap Car Insurance in Glendale

Cheap Car Insurance in Glendale FYI

Hello Glendale! It’s the beginning of 2017 and the weather has been quite crazy so far. We’ve been experiencing a lot of rain lately that is both good and bad.

The rain has made our grass green again, the reservoirs flow with water, and created snow on our mountains. Guess what? California is no longer in a severe drought. This spring and summer will be equally beautiful and amazing.

The downside to all of this rain has been car accidents, floods, and mudslides. With all of the trouble the rain brings, it is important to make sure you have the right auto insurance.

So the question we have for you is, do you have cheap car insurance in Glendale? If you don’t have it, the rest of the year is not going to be fun.

We highly recommend that you get insured because as more tourists travel into the area, traffic increases. When traffic increases, there’s a higher risk of you getting into an accident or car wreck. Don’t ruin your fun this year by getting into an accident. The last thing you want to do is to get into an accident and not have insurance. It’s not a very pleasant situation.

If you are looking for cheap car insurance in Los Angeles, let us help you out. VIP 360 Insurance has made a short list of tips to guide you through making a decision about purchasing auto insurance.

Here’s our list…

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Cheap Car Insurance in Culver City

Finding Cheap Car Insurance in Culver City is Easy.

2017 is finally underway and we’re so excited about it.

What is your New Year’s resolution? Are you planning on being successful, losing weight, going on vacation, relaxing or saving money? We trully hope all of these are on your list. The most important resolution to us is saving YOU money!

Are you looking for cheap car insurance in Culver City? That is great if you are because VIP 360 Insurance is the best when it comes to saving you money. We save people money on car insurance in Los Angeles County all of the time.

It’s the best time of the year to save money. Rates are super low right and it’s time to receive your income tax return. Wouldn’t you like to have a lot of money left over, so you can treat yourself to nice things?

What’s the secret? Actually, there’s no secret formula for saving money, but there are a few things that you should take into consideration when you’re looking to saving money on car insurance in Culver City. We’ve come up with a short list of tips, ideas, and suggestions when looking for a company that sells cheap car insurance.

Are you ready? Let’s do this…

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New Year’s Eve in Los Angeles 2017 List

2016 is coming to an end in a few days! We are so excited to see what 2017 has in store.

Where will you be for New Year’s Eve in Los Angeles 2017? There are so many parties to go to. We want to make sure you are safe out there. New Year’s Eve in Los Angeles 2017 will be full of awesome parties but if you party too hard, there could be consequences such as being charged with a DUI. We do not want you to spend the 1st day of 2017 in jail. That would be terrible, so please be responsible.

If you’re not responsible and get into trouble, don’t worry. We’re here to help you! We specialize in issuing SR-22’s in Los Angeles and DUI insurance and will you get your drivers license back quickly.

People make mistakes. Everyone deserves an opportunity to be given another chance.

We have compiled a list of events that you might want to check out this NYE.

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Black Friday in Los Angeles 2016 Tips

It’s that time of the year where you do crazy things like line up for Black Friday sales and spend lots of money. It’s Black Friday in Los Angeles.

If you’re looking for those so-called doorbusters and going out there to find the best deals on Black Friday, we have some tips for you. We hope you don’t come home empty handed and get your hands on the best prices and items. The only way that’s going to happen is you’re prepared. On the other hand, we hope you have cheap auto insurance in Los Angeles to protect you when things get crazy during Black Friday. You could have an auto accident while you’re out there shopping. There are ways to cheat the system, legally. So we’re going to tell you how.

Let’s go over some Black Friday survival tips…

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Alan Rakin’s Favorite Hiking Trails in Los Angeles

And The Best Hiking Trails in Los Angeles are…

We love the beaches in Los Angeles. We love the ocean, food, waterfalls, and the mountains! There are so many things to do here.

If you love nature, there is no doubt in our mind that Los Angeles is the place you want to be. If you just moved here, you will find out soon about how active and healthy people are in L.A.

Did you know that Los Angeles is known for having great hiking trails? Yes! If you haven’t been asked to go on a hike by a friend, you need to check them out for yourself.

Alan Rakin, CEO of VIP 360 Insurance has lived here for a long time and wanted to make recommendations for some hiking trails in Los Angeles that he believes are the best. There are so many trails out there, if you aren’t a native, you would have a hard time distinguishing what each trail is known for.

We’re pretty sure you’re going to like this list. While you’re out there, remember it’s good to have auto insurance in Los Angeles before you hit the trails. You’ll have to drive to get to some of them.

Are you ready? Let’s get to it.

Alan Rakin Hiking Trails in Los Angeles

Eaton Canyon Hiking Trail

If you like waterfalls, Eaton Canyon is where you want to hike. This hike is in Pasadena. It’s a pretty easy hike, but a good one.

Murphy Ranch Hiking Trail

If you want to see history, this trail is located on Capri and Castle Road in Santa Monica. On the trail, there is the old Nazi compound that Hitler built. Interesting, right?

Runyon Canyon Hiking Trail

If you’ve seen aerial photos of downtown Los Angeles with people standing on a mountain in their sweatpants, you’re probably looking at photos from Runyon Canyon. It’s right in the middle of Hollywood. Alan Rakin says go early, you’ll see celebs.

Mount Baldy

This is a real hike. It’s the highest peak in Los Angeles. If you make it to the top, you’re will see beautiful mountain tops. Alan Rakin says this is one trail that you must hike.

Of course, there are more hiking trails in Los Angeles, but we can’t list them all in one post. When you’re driving out to the trails, be safe.  If you need cheap auto insurance in Los Angeles, give us a call.

VIP 360 Insurance provides auto insurances in Los Angeles and the entire state of California.

Auto Liability Insurance in Los Angeles, California

The Lowest Auto Liability Insurance Rates in Los Angeles

When you’re looking for auto insurance in Los Angeles, CA you have two main options: liability insurance or comprehensive insurance, also known as full coverage.

If you drive a lot in Los Angeles, comprehensive coverage makes sense. However, comprehensive insurance can be on the expensive side.

If you need a more affordable insurance policy and you own an older vehicle, you may want to think about auto liability insurance. Liability insurance, in essence, means that you only pay for an accident if it is your fault.

Sounds great, right? Yes! It’s a good deal, especially if you’re a safe driver.

Here are a few things that you should think about before selecting an auto liability insurance policy…

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