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Proof of Financial Responsibility Requirement
licence requirements In California, you must always carry proof of financial responsibility (typically an insurance card) when you are driving. This proof is required for a drive test and must be shown to law enforcement or other parties if you are involved in a collision.
Key Rules
- ✓You must have your proof of financial responsibility (insurance) with you when you drive.
- ✓If you are in a collision, you must show your proof of insurance to the other drivers involved and to law enforcement.
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Minimum Insurance Liability Coverage Amounts
licence requirements California law mandates specific minimum liability insurance coverage amounts for all vehicles. These minimums are set to cover costs related to death, injury, and property damage in a collision you cause.
Key Rules
- ✓Your insurance must cover at least $30,000 for a single death or injury.
- ✓Your insurance must cover at least $60,000 for death or injury to more than one person.
- ✓Your insurance must cover at least $15,000 for property damage.
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Penalty for a Collision Without Insurance
licence requirements If you are involved in a collision and do not have proper insurance coverage, your driving privilege will be suspended for up to four years. This penalty applies regardless of who was at fault for the collision.
Key Rules
- ✓Your driving privilege will be suspended for up to four years if you are in a collision without proper insurance.
- ✓The suspension for driving without insurance in a collision applies even if you were not at fault.
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Required Actions Immediately After a Collision
accidents If you are in a collision, you are legally required to stop your vehicle. Leaving the scene is a serious crime known as a hit-and-run. Your first priorities are to check for injuries and ensure safety. If anyone is hurt, call 911 immediately. If there are no injuries, move your vehicle out of traffic to a safe location.
Key Rules
- ✓You must stop if you are involved in a collision; leaving the scene is a hit-and-run.
- ✓If anyone is injured, you must call 911 immediately.
- ✓If no one is hurt, you should move your vehicle out of the flow of traffic.
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Exchanging Information After a Collision
accidents After stopping at a collision scene, you are required by law to exchange information with the other driver(s) involved and any law enforcement officers present. This ensures all parties have the necessary details for insurance and legal purposes.
Key Rules
- ✓You must show your driver’s license, vehicle registration card, and insurance information to the other parties involved.
- ✓You must also provide your current address to the other driver and law enforcement.
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Reporting a Collision to the DMV (SR 1 Form)
accidents In addition to any police report, you must personally report a collision to the California DMV within 10 days by filing a Report of Traffic Accident Occurring in California (SR 1) form. This is required if the collision resulted in any injury, death, or property damage exceeding $1,000. Failure to do so will result in the suspension of your driving privilege.
Key Rules
- ✓You must report a collision to the DMV within 10 days if property damage is over $1,000 or if anyone was injured or killed.
- ✓Each driver involved must file their own SR 1 report, regardless of who was at fault.
- ✓Your driving privilege will be suspended if you fail to file the required SR 1 report with the DMV.
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Financial Responsibility for Minor Drivers
licence requirements For drivers under the age of 18 in California, their parents or legal guardians are financially responsible for any damages they cause in a collision. Upon turning 18, the driver assumes their own financial responsibility.
Key Rules
- ✓Parents or guardians assume financial responsibility for drivers younger than 18 years old.
- ✓Drivers who are 18 years old and older take on their own financial responsibility.
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Hitting a Parked Car or Unattended Property
accidents If your vehicle hits a parked car or other property and you cannot locate the owner, you must not leave the scene without taking action. You are legally required to leave a note with your contact information and report the incident to the police.
Key Rules
- ✓If you hit a parked car and cannot find the owner, you must leave a note with your name, phone number, and address.
- ✓The note must be securely attached to the vehicle or property, and you must also report the collision to law enforcement.
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Collisions on Your Driver's Record
demerit points Any collision that you are involved in that requires a report to the DMV (over $1,000 in damage or any injury/death) will be added to your official driver's record. This occurs regardless of who was at fault for the collision.
Key Rules
- ✓A collision resulting in over $1,000 in damage or any injury will be added to your driver's record by the DMV.
- ✓The collision is added to your record even if you did not cause the collision.