Uninsured drivers in California
According to the Insurance Research Council, about 15 percent of California drivers were uninsured in 2012. Though it's not required, uninsured motorist coverage can come in handy after an accident with an uninsured driver, or in the event of a hit-and-run accident.
Car theft in California
According to stats gathered by the FBI, California led the nation in vehicle theft by a landslide in 2015 — more than doubling Texas, which ranked second. That's why it's important to research vehicles that get stolen the most and learn how to protect your car from would-be vandals.
The following are the top vehicle make/model thefts in 2015 compiled by the National Insurance Crime Bureau:
- 1996 Honda Accord
- 1998 Honda Civic
- 2006 Chevrolet Pickup (full-size)
- 1991 Toyota Camry
- 2006 Ford Pickup (full-size)
- 1994 Acura Integra
- 2014 Toyota Corolla
- 1997 Nissan Sentra
- 1997 Nissan Altima
- 1999 Honda CR-V
If you're worried your car has a higher chance of being stolen, you might consider comprehensive coverage. Although optional (unless required by a lease or finance company), it could help cover the replacement cost of a stolen vehicle.
Reporting a traffic incident in California
Most drivers will be involved in at least one accident in their lifetime, according to the California DMV. That's why it's crucial to be on top of post-accident procedures to make the claims process easier (and faster). Additionally, California drivers should be aware that if they're involved in a traffic accident that causes over $1,000 in property damage, they'll be required to submit a Traffic Accident Report, known as an SR-1 form, to the DMV within 10 days — regardless of who's at fault.