CALIFORNIA DEPARTMENT OF INSURANCE
Tonya Martin,
Supervisor, Community Relations & Outreach Branch
August 10, 2022
PRESENTATION OVERVIEW
California Department of Insurance (CDI) Overview
CDI Senior Resources
California Law (DMV)
California’s Low Cost Auto Insurance Program (CLCA)
How You Can Partner with CDI & CLCA
Q&A
CALIFORNIA DEPARTMENT OF INSURANCE (CDI)
Regulate all lines of insurance
Regulate Insurance Companies, Agents, & Brokers
California is the largest insurance market in the U.S.
$340 billion collected annually in premiums
Protect Consumers from Fraud and Abuse
www.insurance.ca.gov
800-927-4357
UPDATED CONSUMER PROTECTIONS FROM CALIFORNIA DEPARTMENT OF INSURANCE Current Outcome
www.insurance.ca.gov
800-927-4357
Safer From Wildfires
The number of homeowners non-renewed by insurance companies fell by 10 percent statewide in 2020 compared to the previous year — a decrease of 22,870 policies.
Premium discounts now available to 2 out of every 5 consumers, with up to 20 percent discounts for wildfire-hardened homes – 6x increase since 2019
SENIOR RESOURCES FROM CDI
www.insurance.ca.gov/0150-seniors
Department of Insurance Senior Information Center
Alerts
Before You Buy Insurance
Long Term Care
Senior Information Guides
Health Insurance
Other Resources
SENIOR GATEWAY
SENIORS INFORMATION CENTER
www.insurance.ca.gov
One-Stop Website – Hosted by CDI
A partnership between governmental and local agencies
Abuse & Neglect
Fraud & Scams
Health Care
Your Rights
Other Resources
800-927-4357
www.seniors.insurance.ca.gov
All drivers must have proof of financial responsibility Liability Insurance
Penalties of driving without insurance
CALIFORNIA AUTO INSURANCE LAW
CALIFORNIA LOW COST AUTO
PROGRAM OVERVIEW
A state program which was established by the Legislature in 1999 as a state-sponsored program that requires insurance companies to offer affordable liability auto insurance to licensed drivers that meet certain requirements.
What is California Low Cost Auto Program?
Be at least 16 years old
Meet Income Guidelines
Vehicle Value $25,000 or Less
Valid CDL/
AB60 for Undocumented Drivers
*Can’t have bad driving record for past 3 years
HOW DO YOU QUALIFY?
INCOME ELIGIBILITY GUIDELINES
1 Person in household – up to $33,975
2 People in household – up to $45,775
3 People in household – up to $57,575
4 People in household – up to $69,375
5 People in household – up to $81,175
6 People in household – up to $92,975
10 People in household – up to $140,175
Base: Good Drivers with 3+ yrs
30%: Single drivers 19-24 yrs
40%: Drivers less than 3 yrs
100%: Drivers 16-18 yrs
STATEWIDE PREMIUMS
Premiums in your county start at $638
Only need one of the following:
Paycheck stub, W-2, 1099
SSI statement, etc.
Currently enrolled in other state, county programs:
CalFresh, CalWorks, MediCal/Medicaid, CA Lifeline
Complete list is available at mylowcostauto.com
PROOF OF INCOME
Apply at MyLowCostAuto.com
Take the Eligibility Questionnaire
Application process is 100% online
Chat is available M-F 8am – 4pm
Website and Chat are available in English & Spanish
Call 866-602-8861
HOW TO APPLY
And please refer us to any collaborative group or partners that serve low to moderate income households Let us present to your staff or community group
Invite us to community outreach events in your area
Share CLCA through your website and social media platforms Help us disseminate CLCA educational materials in your community HOW CAN YOU PARTNER WITH CDI & CLCA?
HOW YOU CAN PARTNER WITH
CDI & CLCA
For more information about CLCA visit:
www.mylowcostauto.com
866-602-8861
For Questions or Problems with Insurance:
www.insurance.ca.gov
Consumer Hotline 800-927-4357
Thank You!
800-927-4357
www.insurance.ca.gov
QUESTIONS?