As a result of California being one of the most populated states in the USA, it also has its share of uninsured drivers. According to an estimate of the Department of Insurance, there are currently over 400,000 drivers that have no auto insurance policies to provide coverage. In the event that one of these drivers is responsible for causing an accident that also involves someone with car insurance, both parties will be affected and get stuck with car repair bills.
That is why the Department of Insurance of California is going to launch a big campaign that will promote their low cost auto insurance policies. In case of a road accident the drivers will be better off with any kind of car insurance, even if it is basic. The goal of the campaign is to make as many drivers as possible aware of all the options they have when it comes to getting a low rate on their insurance policies. According to Pat McConahay, spokesperson for the department, this campaign will be massive in scale in order to get their message through to their audience. California is a very big state, so billboards will be placed on highways, meetings will be held on campuses and the Department of Insurance is likely to get some airtime on television and radio in order to promote their campaign.
While the Bare bones coverage program is already put in place in the state of California, not a lot of people apply for it because they don’t think they would qualify. According to Joe Ridout of Consumer Action, only around 11,000 California drivers are actually using the Bare bones program, so he hopes that this new campaign will make a lot more people aware of the existence of low cost car insurance policies and how they can apply for them.
The success of this campaign will be measured by how many uninsured drivers actually buy new policies. The criteria for eligibility for this program is far reaching, to allow as many drivers as possible to afford car insurance. The driver should be at least nineteen years of age and possess a driver’s license for three years minimum. There are some financial limitations, but they are also quite permissive: the value of the car must not exceed $20,000 and the family must also have a certain income per year, which will vary depending on the family size. Anyone that applies and is eligible for this program will be made aware of all the insuring agencies that provide this service.
So far, response to the campaign has been positive. Drivers from California appreciate the low cost car insurance alternatives that allow them to be in compliance with the law while also getting coverage from a program that they can afford.