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Lassen
County California auto car homeowners insurance in an
effort to help low-income drivers in urban centers in
California where auto car homeowner's insurance premiums
are high, low-cost policy programs have been established.
California's
pilot program in the California Assigned Risk Program,
was not effective at first because the Lassen County
California auto car homeowners insurance policies were
still too expensive for low-income consumers, provided
little value as these consumers have few assets to protect
and did not provide medical care coverage.
Legislation
enacted in 2003 lowered eligibility requirements, cut
premiums and increased coverage. By the end of 2003,
there were about 5,600 low-cost where auto car homeowners
insurance policies in force, as reported by the top
nine companies in California that are underwriting the
policies. These nine companies make up 95 percent of
the total volume of low-cost policies. In mid-2003, Lassen
County California began offering "dollar a day"
auto car homeowners insurance. The
$365 annual premium pays for the same auto car homeowner's insurance
coverage as the state's Basic Policy, but is limited to the
poorest people in the state, those eligible for Medicaid.
The
Basic Policy offers $15,000 in personal injury protection, up
to $250,000 in medical benefits for catastrophic injuries and
a $10,000 death benefit. Qualified applicants are exempt from
the liability coverage that is mandatory in Lassen County.
Penalties
for noncompliance include fines, jail time, license or registration
revocation, confiscation of license plates and, in some California
counties, vehicle impounding.
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