Financial Responsibility
California’s Compulsory Financial Responsibility Law requires every driver and every owner of a motor vehicle to maintain financial responsibility (liability coverage) at all times. There are four forms of financial responsibility:
A motor vehicle liability insurance policy.
A deposit of $35,000 with DMV.
A surety bond for $35,000 obtained from a company licensed to do business in California.
A DMV issued self-insurance certificate.
You must carry written evidence of financial responsibility whenever you drive and you must show it to a peace officer after a citation stop or accident. You may have to pay a fine or have your vehicle impounded if you don’t.
最低の保険が＄３５０００で（約４００万弱）それ以外は任意の保険に加入したほうがいいということです。このままの文章で出てきます。
Insurance
Insurance Requirements
The law states you must be financially responsible for your actions whenever you drive and for all motor vehicles you own. Most drivers choose to have a liability insurance policy as proof of financial responsibility. If you have an accident not covered by your insurance or you have no insurance, your driver license will be suspended. If the driver is not identified, the owner of the motor vehicle involved will have his or her driver license suspended.
保険が無い場合は免許停止になります。ドライバーがはっきりしなくても、車 のオーナーが責任を負う事になります。
The minimum amount your insurance* must cover per accident is:
$15,000 for a single death or injury.
$30,000 for death or injury to more than one person.
$5,000 for property damage.
Call 1-800-927-HELP before you purchase insurance to make sure your agent/broker and insurer are licensed by the California Department of Insurance.
この部分も出てきます。
一人の死亡怪我に対して１５０００ドル、二人以上で３０００ドル、家などの ダメージに対して５０００ドルです。
If you are visiting California, or have just moved here, be aware that many out-of-state insurance companies are not authorized to do business in California. Before you drive here, ask your insurance company if you are covered in case of an accident. If you have an accident in California, all three of the following conditions must be met to avoid suspension of your driving privilege:
他の州から移動して来た場合、保険がカバーされていない場合があるので、注 意が必要です。運転前に確認して下さい。
事故のカリフォルニアであったら、次の３つのことに注意して下さい。
Your liability policy must provide bodily injury and property damage coverage which equals or exceeds the limits stated above;
責任能力がカリフォルニアの制限を下回っていないこと
Your insurance company must file a power of attorney, allowing the DMV to act as its agent for legal service in California; and
保険会社が弁護士によってDMVに対処できること
You must have insured the vehicle before you came to California. You cannot renew the out-of-state policy once the vehicle is registered in California.
カリフォルニアに移動前にそれらの確認ができていること。カリフォルニアに車を登録すると、the out-of-state policyの変更がききません。
これらがカバーされていない場合、免許停止となります。
Reporting The Accident
次の事故はDMVに10日以内に報告して下さい。
When you have an accident, report it to DMV within 10 days if:
More than $750 in damage was done to the property of any person.
７５０ドル以上の人や物の損害
Anyone was injured (no matter how slightly) or killed.
Each driver (or the driver’s insurance agent, broker, or legal representative) must make a report to DMV using the Report of Traffic Accident Occurring in California form (SR 1. The CHP or police will not make this report for you. Call 1-800-777-0133 and ask for the SR 1 or go online at www.dmv.ca.gov.
けが人や志望者がある場合DMVのリポートフォームで報告しましょう。
You must make this report:
次の場合報告は必ずしなければなりません。
Whether or not you caused the accident and
自分の責任の事故の時
Even if the accident occurred on private property.
Your driving privilege will be suspended:
プライベートの敷地内の事故でも免許停止になります。
If you don’t make this report.
もしも報告しなかった場合
For four years, if you did not have proper insurance coverage. During the last three years of the suspension, your license can be returned if you provide a California Insurance Proof Certificate (SR 22) and maintain it during this period.
４年間のうち３年が免許停止になります。
Accidents On Your Record
Every accident reported to DMV by:
DMVに事故が報告された場合
Law enforcement shows on your driving record unless the reporting officer says another person was at fault.
他の人の責任でも警察の要求があれば、運転免許を見せなければならない。
You, or another party in the accident, shows on your record if any one person has over $750 in damage or if anyone is injured or dies.
It does not matter who caused the accident, DMV must keep this record.
７５０ドル以上の怪我や死亡事故では免許を提示しなければならない。誰が原 因かは問題ではなく、DMVは記録が必要です。
Accidents, Insurance, and Minors
If you are under 18 years of age, your parents sign your license application and assume financial responsibility for your driving unless they ask DMV to cancel your license. When you reach age 18, your parents’ liability automatically ends.
If you are involved in an accident you may be liable for civil damages and you may also be fined.
１８歳より下の場合、両親が責任者となります。
１８歳になると、自動的に本人の責任に切り替わります。
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