Meeting Notice
The CAARP Advisory Committee will be meeting for a discussion regarding the California Low Cost Automobile Insurance Program on Thursday, March 28, 2019 at 11:00 am PT.
You can attend the meeting in person at any of the CDI Headquarters Offices below:
Sacramento Office - 300 Capitol Mall, Suite 1700, Sacramento, CA 95814
San Francisco Office - 45 Fremont Street, 23rd Floor, San Francisco, CA 94105
Los Angeles Office - 300 South Spring Street, South Tower, Los Angeles, CA 90013
New Street Address
The CAARP office has relocated to Oakland, California. ALL PHONE NUMBERS REMAIN THE SAME. The new street address for the office is:
1111 Broadway, Suite 1670
Oakland, CA 94607
Important Notice
The new 2018 Federal Poverty Guidelines are now posted on our website and effective/deployed on EASi 2.0 February 1, 2018.
Please contact the Plan Office Customer Service Toll free number at (866) 602-8861 for any inquiries.
Low Cost Program eligibility expanded to include applicants and operators 16 to 18 years of age.
Highlights of the program enhancement are as follows:
- Applicant eligibility is expanded to include persons ages 16 to 18. Applicants include a person age 16 through 17 who is an emancipated minor in accordance with California statues or a person age 18 who is financially independent.
- A family with an adult driver covered under a Low Cost auto policy that has one or more additional drivers ages 16 to 18 in the household may qualify for coverage subject to a surcharge. The additional drivers can only be added to new policies on or after 2/1/2018 and renewal policies on or after 4/1/2018. Drivers cannot be added to existing policies.
Third Party Designee Procedure
To comply with 2013 Cal. Stat. 380 (former AB 1804), CA. Ins Code §396, which requires an insurer to maintain a verifiable process or adopt a procedure that allows the applicant or policyholder of a personal auto policy to designate one additional person to receive notices, termination, expiration, nonrenewal, or cancellation for nonpayment of premium - this new procedure has been added:
If the applicant elects a third party designee, producers must do the following:
-
Once you save/validate and print the private passenger or low cost application, the printed pdf form will include a new section (Section 15 on low cost apps, Section 19 on private passenger apps) that must be completed by hand. If the applicant selects to elect a third party designee, then the producer must go to AIPSO.com (either CAARP or Low Cost website) – and print/download the form – under “forms” titled - Third Party Designee. The form must be completed and submitted with the application.
-
If the applicant declines the third party designee option, then the producer must decline the box on the form and submit it with the application.
(Refer to Low Cost/Private Passenger section of application)
The Third Party Designee form can be used if electing a third party designee midterm on the policy. As of February 1, 2016, the process will be further automated.
Enhancements to California's Low Cost Auto Insurance Program
Click here for an important announcement regarding enhancements to California’s Low Cost Auto Insurance (CLCA) Program that took effect January 1, 2015 in compliance with California Senate Bill 1273. The announcement also outlines amendments to the CLCA Program effective December 1, 2014 in response to directives from California's Department of Insurance. Included with the announcement are screenshots of changes that have been made to the CLCA Program’s Electronic Application Submission Interface (EASi), as well as two informational documents concerning CLCA Program eligibility and an Important Note for producers submitting CLCA applications.
Revised Convenience Fee Rates
Effective 12/1/2014, the convenience fee pricing for use of debit card payments for CAARP Private Passenger and CA Low Cost Auto processed through EASi was revised and reduced by our vendor, Official Payments:
California Low Cost: $1.95
CAARP: $2.95
(Prior pricing was at $3.99 for California Low Cost and $19.99 for CAARP)
Credit Card convenience fees will remain unchanged:
California Low Cost: $3.99
CAARP: $19.99