Required limits: for a policy issued or renewed on or after January 1, 2025, Insurance Code §11622(b) requires the plan to provide $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage, or any minimum amounts otherwise required by law, and does not require more. (The older 15/30/5 figures no longer apply; 50/100/25 applies from January 1, 2035.)

What the private passenger application offers (AIP 1250, Rev. 1/25, Section 6): - liability at $30,000/$60,000/$15,000 - optional medical payments of $1,000 at most - optional uninsured motorist bodily injury at $30,000/$60,000 - optional uninsured motorist property damage of up to $3,500 There is no collision or comprehensive line; CAARP is a way to get liability insurance.

When coverage starts: the application's notice says the policy is not effective until the application is electronically transmitted to the Plan. Both the applicant and the producer must sign and date a properly completed application, and it must be transmitted within two working days of completion. Transmitting it in the applicant's presence can give immediate coverage, but coverage can never start before the date and hour the application was completed. The producer is not acting as agent of any company, so a verbal promise does not start coverage.

Commercial risks: commercial applicants can also use the Plan. All applicants are assigned to a servicing carrier and pooled under the Commercial Automobile Insurance Procedure (CAIP), except private passenger nonfleet vehicles, miscellaneous nonfleet personal vehicles such as motorcycles and motor homes, and named nonowner applicants. A commercial applicant that requires filings or a liability limit of $750,000 combined single limit or higher faces a 15-day delay in the effective date. A requested future effective date cannot be more than 45 days after the application is completed. An applicant is ineligible if a usual driver does not hold, and is not eligible to obtain, a license, unless the suspension can be lifted by filing proof of insurance.