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Published: May 21, 2012
Updated: April 19, 2013

California’s Low Cost Automobile Insurance Program (Chinese)

加州政府設立本保險計劃，為符合收入標準﹑行車記錄好的駕駛人提供低價的車輛責任保險。承保單由在加州註冊的保險公司開出。加州法律規定要設立一項加州低價車輛保險計劃，以滿足其財務責任法律的有關規定。

Each brochure contains information in all 11 languages. To place an order, please return to the English language page.

加州法律規定所有駕駛人都須有汽車保險。
如果您無保險駕車，您可能會：

• 被吊銷車輛牌照
• 被吊銷駕駛執照
• 被沒收車輛
• 被罰款

您沒有保險卻開車是因為您付不起保險費嗎？

加州政府有一個計畫方案幫助收入合格的優良駕駛 人，能獲得一年不到$400元的低價汽車保險 (只保責任險)。

這些保險是由持有加州執照的保險公司發給。 「加州低價汽車保險」符合州政府的責任險法律規定。

如果您符合以下條件，您可能有資格參加加州低價車輛保險計劃：

• 駕駛記錄良好
• 年齡至少19歲
• 已連續三年持有效的駕駛執照
• 擁有一輛價值不超過$20,000的汽車
• 符合以下所列的收入標準

有五種付款方案可供選擇：

• 支付全年保險金。
• 先交 $125，差額在30天內付清。
• 先交 $100，差額分6次付清，每兩個月一次*。
• 先交 $125，差額分5次付清，每兩個月一次*。
• 先交保險金的15%，差額分6次付清，每兩個月一次*。

基本責任險的承保限額是：**

• 受傷或死亡，每人賠 $10,000
• 受傷或死亡，每次事故賠 $20,000
• 財物損壞責任，每次事故賠 $3,000

* 本方案每次付款收手續費$4。每兩個月一次指每隔一個月才到付款期。.

** 有其他需要額外收費的直接利益保險項目。.

收入標準 (effective 2013)

家中人口數	最高收入
1 人	$27,925
2 人	$37,825
3 人	$47,725
4 人	$57,625
5 人	$67,525
6 人	$77,425
7 人	$87,325
8 人	$97,225

• Eligibility is based on the household’s gross annual income which must be 250% or less of the federal poverty level.
• A “Household” is all persons who occupy a housing unit and who are related by blood, marriage, adoption or guardianship (i.e., members of one family). If more than one family is living in the same housing unit, they constitute different families for eligibility purposes even though they reside at the same address.

County Premiums*

Effective 2013, the annual premium for these 58 counties are:

County of Residence	Liability Premium	County of Residence	Liability Premium
Alameda	$287.00	Orange	$347.00
Alpine	$248.00	Placer	$248.00
Amador	$248.00	Plumas	$256.00
Butte	$256.00	Riverside	$248.00
Calaveras	$248.00	Sacramento	$287.00
Colusa	$256.00	San Benito	$231.00
Contra Costa	$287.00	San Bernardino	$248.00
Del Norte	$256.00	San Diego	$248.00
El Dorado	$248.00	San Francisco	$287.00
Fresno	$231.00	San Joaquin	$287.00
Glenn	$256.00	San Luis Obispo	$231.00
Humboldt	$256.00	San Mateo	$287.00
Imperial	$248.00	Santa Barbara	$231.00
Inyo	$248.00	Santa Clara	$287.00
Kern	$248.00	Santa Cruz	$231.00
Kings	$231.00	Shasta	$256.00
Lake	$256.00	Sierra	$248.00
Lassen	$256.00	Siskiyou	$256.00
Los Angeles	$347.00	Solano	$256.00
Madera	$231.00	Sonoma	$256.00
Marin	$287.00	Stanislaus	$287.00
Mariposa	$248.00	Sutter	$287.00
Mendocino	$256.00	Tehama	$256.00
Merced	$231.00	Trinity	$256.00
Modoc	$256.00	Tulare	$231.00
Mono	$248.00	Tuolumne	$248.00
Monterey	$231.00	Ventura	$248.00
Napa	$256.00	Yolo	$256.00
Nevada	$248.00	Yuba	$248.00

* 19 到 24 歲的未婚男性會加收 25%保險費。

今天就打電話詢問！
1-866-602-8861
mylowcostauto.com

「加州低價汽車保險計畫」是由加州保險局訂定，而由「加州汽車指定風險計畫」所執行。

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California’s Low Cost Automobile Insurance Program (Chinese)
File Name: clca_2013_ch.pdf
File Size: 0.97MB

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Notes

Filed Under

Automobiles   ♦   Insurance   ♦  

Copyright

© 2013 California Department of Insurance.