The California Low Cost Automobile Insurance Program (CLCA) is designed primarily for which group of drivers?
a.Drivers with three or more at-fault accidents in the past five years
b.Out-of-state students temporarily living in California
c.Commercial truck operators
d.Income-eligible, good drivers who otherwise could not afford liability insurance
Explanation
Created under Cal. Ins. Code §11629.7 et seq., CLCA provides liability-only auto coverage to income-eligible good drivers who have a valid license and would otherwise have difficulty affording the financial responsibility limits. CLCA is not for high-risk drivers, commercial fleets, or non-residents — eligibility hinges on income, driving record, and California residency.
Law Reference: Cal. Ins. Code §11629.7+ (California Low Cost Automobile Program)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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