With the entry into force of AB 60 that licenses undocumented immigrants, there are many questions in the air.
Among them, those that refer to the purchase of auto insurance. The undocumented who will benefit under this law that came into effect on January 2, will have to have car insurance, like the rest of the population. Accepted documentation for the purchase of auto insurance? That can vary from company to company, said Madison Voss, spokeswoman for the California Department of Insurance. Jordi Ortega, a spokesman for the State Farm car insurance company, said the process to buy car insurance for people who obtain a license through AB 60 will be the same as for the rest of Californians. "The same requirements that are now being asked in California to insure a car will be asked, there will be no additional requirements," said Ortega. "Once a person has driving privileges, applicants must present a valid California license, and meet our eligibility requirements." For Ortega, the approval of AB 60 only brings positive things for the community. "All drivers in the state can be identified regardless of whether or not they have legal documents. They will have a license number and that will make the roads safer, "he said," plus the increase in people with a driver's license will control costs for all drivers. " State Farm is one of the companies that accepts consular registration or a license from another country to insure cars. In addition to a foreign license, drivers must present the record of the car to be insured. For his part, Rocío Moreno, manager of Awesome Insurance, an intermediary agency between insurance companies and buyers, in the city of Pomona, considers that things are changing and that it will now be strictly necessary to have a license to buy insurance car. Moreno says that under AB 60, some insurers are changing their requirements. Some are asking for too much information, although it could also be because there are times when buyers use false information, he said. “In order to have auto insurance in California , they have to have a license, because it is no longer an excuse not to have documents. They are going to make it more complicated, ”said Moreno, recounting his own experience. “Before, most insurance companies accepted consular registration to insure cars. We are talking about more than 30 companies that are changing their procedures. ” Moreno says that until before January, it was very easy to work with auto insurers like Access. However, it is the first that has begun to ask for more requirements. "Yesterday I had a problem with a boy who had his consular number and we were no longer allowed to insure it," said Moreno. Moreno's most important recommendation is to use legal documents. "We ask that everything be legal, that they do not present false identifications and licenses because all the companies are going to run the records and if they bring false documents, they are going to have problems with the insurance company," Moreno explained. Those with licenses know that when you apply for the first time or when it is time to renew it, you must take a written exam. If the applicant approves it, they will receive a temporary driving permit, with that permit they can already insure their car. "With the driving license you can now process your car insurance," says Moreno. The expert also explained that there are many drivers who prefer not to have a license. "They want to use consular registration because they want to hide that they have DUI's and other infractions. Now it is not going to be like this, they are not going to be allowed, "Moreno explained. He also believes that driving experience will not be a problem in cost. "He is going to count the years they have been driving, that is going to give them credit." To reiterate, Moreno said it is clear: if the driver has a consular number plate and a California ID or license, the license must be presented. "Don't hide behind false identifications, there is no reason to hide because things are going to go wrong," says Moreno. "Everything appears in the records." Claudia Luna, a resident of Chino Hills, came to the Awesome Insurance Agency to request the documentation she needed to settle a personal matter with her car. Luna has been driving in the United States since 2001 and has always had her car insured. "I think I took out the insurance with my ITIN number, I've always had insurance," said Luna, who is scheduled to schedule an appointment at the DMV in April to take the written exam to begin the process of obtaining a California license. "I think I am ready for the exam. I have taken it several times on the computer and I have approved it, ”said the future applicant. Elaine González of the Insurance Information Institute (III), a New York-based nonprofit, says that when a person takes out their license for the first time and wants to take out insurance for their car, You will have to abide by the laws of the state of California. In other words, they must comply with the coverage required by the state. He also said that the costs for a first-time licensee could be higher, as with teens. In this case, companies like State Farm ask all applicants for the number of years they have been licensed and their driving record. This determines the cost of the policy depending on the criteria of the company. González considers that the fact that "the insurance companies are unaware of the risk that these drivers represent could increase the cost of the policy," says González. A question remains unsolved. It has not been defined whether the companies will continue to accept consular plates or foreign licenses to insure a car. "I think that will depend on the insurance company," said González. California Insurance Commissioner's office Dave Jones said in a press release that the implementation of AB 60 will improve highway safety and decrease the number of drivers without auto insurance. "It is essential that consumers take the time to educate themselves on why auto insurance is necessary and also on what is appropriate for them," Jones said in the statement. It also says the department's goal is to prevent drivers from receiving infractions and fines or having to deal with a vehicle registration suspended for lack of insurance or as a result of a scam. Check the record of the insurance sales agent Dave Jones, California Commissioner of Insurance, says consumers should review the record of insurance agents and brokers, on the California Department of Insurance website or at 1-800- 927-4537. Comments are closed.
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May 2020
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