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It also outlines California’s legal requirements for car ownership and financial responsibility, including liability insurance and what drivers must do to show proof of coverage. 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Over time, we all have physical changes. These changes affect our driving. Drivers over 65, along with new teenage drivers, have more accidents for each mile they drive than any other age group.\u003Cbr>You can do things now to be a safer mature driver. This booklet has tips to help you drive safely, drive longer, and avoid accidents. You will also find information to help you discuss your automobile insurance needs, ask informed questions, and understand your rights and responsibilities.\u003Cbr>As a mature driver, you have years of driving experience. This experience can help you continue to be a safe driver.\u003Cbr>California Law\u003Cbr>To own a car and drive in California, you must register your car and have a driver’s license. You must show financial responsibility for any vehicle that you own, in case of | injury to other people or damage to their property. Most people show financial responsibility by buying auto liability insurance. California law states:\u003Cbr>All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.\u003Cbr>Liability Insurance\u003Cbr>You must have liability insurance for any car that you own. The insurance covers limited costs when your car injures other people and property. You must show proof of your insurance when you:\u003Cbr>• Are asked for it by a police or other law enforcement officer.\u003Cbr>• Have an accident.\u003Cbr>• Register your car or renew the registration.\u003Cbr>• Get your car inspected. |\n| 2 |  |\n\n\n| Keeping Your Driver’s License\u003Cbr>After age 70, you can no longer renew your driver’s license by mail. You must go to the Department of Motor Vehicles (DMV) . You will take a vision test, and you may have to take the written and driving tests. This booklet has many tips to help you be a safe driver and keep your driving license. | \u003Cbr>If you have an accident:\u003Cbr>You must report accidents right away to law enforcement and to your insurance company. You can order a free brochure from the California Department of Insurance (CDI) called “So You’ve Had an Accident, What’s Next?” It walks you through what you need to do if you have an accident. |\n| --- | --- |\n| \u003Cbr>\u003Cbr>How the California Department of Insurance (CDI) can help:\u003Cbr>We are the state agency that regulates insurance companies. We also protect the rights of insurance consumers. We have many brochureson insurance. Please contact us if you are experiencing problems or have questions about auto insurance or other kinds of insurance.\u003Cbr>Also contact us if:\u003Cbr>• An insurance agent, broker, or company has treated you unfairly.\u003Cbr>• You want to check the license of an agent, broker, or company.\u003Cbr>• You want to check the claims and customer service records of a company.\u003Cbr>Contact us at:\u003Cbr>1-800-927-4357\u003Cbr>[www.insurance.ca.gov](www.insurance.ca.gov)\u003Cbr>3 |  |\n\n\n| Auto Insurance Basics |  |\n| --- | --- |\n| Insurance Costs\u003Cbr>To buy insurance, you pay a fee called a premium. It covers the term, or length, of the policy, which is usually 6 months or 1 year.\u003Cbr>Your policy has limits. This means that the insurance pays a limited amount for each accident or injury.\u003Cbr>If you buy physical damage coverage, you have a deductible. This is the amount you must pay before your insurance pays anything.\u003Cbr>You must buy liability coverage.\u003Cbr>If you own and drive a vehicle in C","cbCaisWIfDAvWl0F","https://ap.wps.com/l/cbCaisWIfDAvWl0F","pdf",656909,24,"English","# Introduction\n## California Law\n## Liability Insurance\n# Auto Insurance Basics\n## Insurance Costs\n## Should I Get Higher Limits Than the Law Requires?\n## Physical Damage Coverage\n## Comprehensive and Collision Coverage","[{\"question\":\"Why do older drivers need extra attention when driving?\",\"answer\":\"The booklet notes that people age differently and physical changes can affect driving. It also states that drivers over 65 have more accidents per mile than any other age group.\"},{\"question\":\"What financial responsibility and insurance requirements apply in California?\",\"answer\":\"To own and drive in California, you must register your car and have a driver’s license, and show financial responsibility for vehicles you own. Most people meet this by buying auto liability insurance, and California law requires drivers/owners to carry evidence of financial responsibility.\"},{\"question\":\"What does liability insurance cover, and when must proof be shown?\",\"answer\":\"Liability insurance covers limited costs when your car injures other people and property. Proof must be shown if a police or law enforcement officer requests it, if you have an accident, for registering or renewing registration, or if your car is inspected.\"}]","Driving for Seniors - Auto Insurance Basics - California Department of Insurance | PDF"]