The state of California has some of the strictest laws when it comes to vehicle insurance, and it’s essential to understand the requirements for non-op cars. A non-op car, also known as a non-operational vehicle, is a vehicle that is not registered for use on public roads. This can include cars that are being repaired, stored, or are no longer operational. But does a non-op car need insurance in California? The answer is yes, and in this article, we’ll explore the reasons why.
Why Do Non-Op Cars Need Insurance in California?
In California, all vehicles, including non-op cars, must be insured against liability and damage. This is because the state requires all registered vehicles to have a minimum amount of insurance coverage. The minimum coverage requirements in California are:
| Bodily Injury | Property Damage |
|---|---|
| $15,000 per person | $5,000 |
These minimum coverage requirements are in place to protect both the vehicle owner and other parties who may be affected by the vehicle, such as pedestrians or other drivers. Even if a non-op car is not being driven, it can still cause damage or harm to others, and insurance coverage is necessary to protect against these risks.
What Types of Insurance Coverage Are Required for Non-Op Cars in California?
For non-op cars in California, the required insurance coverage includes:
- Bodily Injury Liability (BI) coverage: This coverage pays for medical expenses and other damages if the vehicle causes an accident and injures someone.
- Property Damage Liability (PD) coverage: This coverage pays for damages to other vehicles or property if the vehicle causes an accident.
- Uninsured/Underinsured Motorist (UM/UIM) coverage: This coverage pays for damages if the vehicle is involved in an accident with an uninsured or underinsured driver.
It’s important to note that these coverage requirements may vary depending on the specific circumstances of the non-op car. For example, if the vehicle is being stored in a private garage, the owner may not need comprehensive coverage, which covers damage to the vehicle. However, if the vehicle is being stored in a public parking lot, comprehensive coverage may be necessary. (See Also: What Is Total Excess in Car Insurance? A Guide to Understanding)
How to Obtain Insurance for a Non-Op Car in California?
Obtaining insurance for a non-op car in California can be a bit more complex than insuring a regular vehicle. Here are some steps to follow:
- Check with your insurance provider: If you already have an insurance policy with a provider, you may be able to add the non-op car to your existing policy. Contact your provider to see if they offer non-op car coverage and what the requirements are.
- Shop around: If your current provider does not offer non-op car coverage, you may need to shop around for a new provider. Look for insurance companies that specialize in non-op car coverage and compare rates and coverage options.
- Provide documentation: When applying for insurance for a non-op car, you will need to provide documentation, such as proof of ownership, registration, and proof of storage or repair.
- Choose the right coverage: As mentioned earlier, the type of coverage you need will depend on the specific circumstances of the non-op car. Make sure to choose the right coverage options to meet your needs.
Consequences of Not Insuring a Non-Op Car in California
Failing to insure a non-op car in California can have serious consequences. If you are caught driving an uninsured vehicle, you can face fines, penalties, and even license suspension. Additionally, if you are involved in an accident and do not have insurance, you may be held personally liable for damages and injuries.
In California, the DMV can also suspend your registration if you fail to provide proof of insurance for a non-op car. This can be a major hassle and can cause delays in getting your vehicle back on the road.
Recap and Key Takeaways
In conclusion, a non-op car in California must be insured against liability and damage. The minimum coverage requirements are $15,000 per person for bodily injury and $5,000 for property damage. The required insurance coverage includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. To obtain insurance for a non-op car, you can check with your current provider, shop around for a new provider, provide documentation, and choose the right coverage options. Failing to insure a non-op car can have serious consequences, including fines, penalties, and license suspension. (See Also: How Long Can Kids Be On Car Insurance? Until They’re 25)
Frequently Asked Questions
Q: Do I need to insure a non-op car that is being stored in a private garage?
A: No, you may not need to insure a non-op car that is being stored in a private garage. However, you should check with your insurance provider to see if they have any specific requirements or recommendations for storing a non-op car.
Q: Can I use my regular car insurance policy to cover a non-op car?
A: It depends. If your regular car insurance policy allows you to add a non-op car to your policy, you may be able to do so. However, you should check with your provider to see if they offer non-op car coverage and what the requirements are.
Q: How much does insurance for a non-op car cost?
A: The cost of insurance for a non-op car can vary depending on a number of factors, including the type of coverage you need, the value of the vehicle, and your driving history. On average, insurance for a non-op car can cost between $100 and $500 per year.
Q: Do I need to register my non-op car with the DMV?
A: Yes, you will need to register your non-op car with the DMV. You will need to provide proof of ownership, proof of insurance, and other documentation to register the vehicle. (See Also: How to Check Claim on Car Insurance? Get Started Now)
Q: Can I insure a non-op car that is being repaired?
A: Yes, you can insure a non-op car that is being repaired. You will need to provide proof of repair and storage to your insurance provider, and you may need to choose a different type of coverage, such as comprehensive coverage, to protect against damage to the vehicle during the repair process.