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California Minimum Liability Requirements Among Lowest in the U.S.

Topics: Auto Accident

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[vc_row][vc_column][vc_column_text]Car crash minimum liability insurance requirements across the country are scattershot.  Some states require certain types of insurance that others do not.  Some states require much higher policy limits than some others.  Two states, New Hampshire and Virginia, do not even require car insurance, though at-fault drivers are still considered financially responsible for the damages caused.  For a state as big and populous as California, it may surprise people to learn that we have one of the weakest minimum liability insurance policy requirements in the country.  Low requirements for minimum coverage put drivers at risk. California requires drivers to carry an insurance policy that cover $15,000 per person, $30,000 per accident, and $5,000 property damage.  It does not require uninsured/underinsured motorist coverage.  For minimum coverage limits, this places California almost dead last in the country.  See the chart below for required coverage comparisons in 2020:
State Per Person Per Accident Property Damage UM/UIM Coverage
Alabama 25000 50000 25000
Alaska 50000 100000 25000
Arizona 15000 30000 10000
Arkansas 25000 50000 25000
California 15000 30000 5000
Colorado 25000 50000 15000
Connecticut 25000 50000 25000 25000/50000
Delaware 25000 50000 10000
Florida* 10000
Georgia 25000 50000 25000
Hawaii 20000 40000 10000
Idaho 25000 50000 15000
Illinois 25000 50000 20000 25000/50000
Indiana 25000 50000 25000
Iowa 20000 40000 15000
Kansas 25000 50000 25000 25000/50000
Kentucky 25000 50000 25000
Louisiana 15000 30000 25000
Maine 50000 100000 25000 50000/100000
Maryland 30000 60000 15000 30000/60000/15000
Mass. 20000 40000 5000 20000/40000
Michigan 20000 40000 10000
Minnesota 30000 60000 10000 25000/50000
Mississippi 25000 50000 25000
Missouri 25000 50000 25000 25000/50000
Montana 25000 50000 20000
Nebraska 25000 50000 25000 25000/50000
Nevada 25000 50000 20000
New Hampshire** 25000 50000 25000 25000/50000/25000
New Jersey* 5000
New Mexico 25000 50000 10000
New York 25000 50000 10000 25000/50000
North Carolina 30000 60000 25000 30000/60000/25000
North Dakota 25000 50000 25000 25000/50000
Ohio 25000 50000 25000
Oklahoma 25000 50000 25000
Oregon 25000 50000 20000 25000/50000
Pennsylvania 15000 30000 5000
Rhode Island 25000 50000 25000
South Carolina 25000 50000 25000 25000/50000/25000
South Dakota 25000 50000 25000 25000/50000
Tennessee 25000 50000 15000
Texas 30000 60000 25000
Utah 25000 65000 15000
Vermont 25000 50000 10000
Virginia** 25000 50000 20000 25000/50000/20000
Washington 25000 50000 10000
Washington, D.C. 25000 50000 10000 25000/50000/5000
West Virginia 25000 50000 25000 25000/50000/25000
Wisconsin 25000 50000 10000 25000/50000
Wyoming 25000 50000 20000

*Florida and New Jersey are no-fault states that require a different type of car insurance called personal injury protection often required in no-fault insurance states. **New Hampshire and Virginia do not require car insurance, but for insurance that is offered, these are the minimum requirements.  Drivers are still financially responsible for any damages they cause.

As the chart shows, California and Pennsylvania are the only states with red across the board, but Pennsylvania is a no-fault state that also requires personal injury protection coverage.  Of the states that take into consideration the fault of the driver, California ranks at the bottom for all categories.  Put simply, minimum insurance levels may not cover all the medical bills and other costs associated with even a moderate crash.  Uninsured/underinsured motorist (UM/UIM) insurance could help offset some of those costs but is not required in California. The Law Offices of Scott Warmuth strongly recommends that California drivers obtain UM/UIM insurance to protect themselves from other drivers who only maintain minimum liability coverages or have no insurance at all.  UM/UIM is generally quite affordable and can make a huge difference.  Our auto accident attorneys have encountered too many clients who were badly injured in a crash but could not receive fair compensation because they did not have UM/UIM insurance. If you have been injured in an auto accident in California, call our offices today at 888-517-9888 to speak with an injury expert about your case.  All initial consultations are free of charge.  We guarantee that if we do not win your case we will not charge you for our services.[/vc_column_text][/vc_column][/vc_row]
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Supreme Court Will Hear Cases on Remain in Mexico Policy, Border Wall

Topics: Immigration

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[vc_row][vc_column][vc_column_text]Even with an election only two weeks away, legal challenges involving immigration law under the Trump administration continue to work their way through the courts.  On Monday, the U.S. Supreme Court announced that it will soon hear two cases related to controversial immigration policies: the "Remain in Mexico" asylum rule and the funding of construction of a border wall on the United States' southern border with Mexico.  Though the Supreme Court has chosen to hear these two cases, both cases could be considered moot depending on the outcome of the presidential election. In March, the 9th Circuit U.S. Court of Appeals issued an injunction against the Trump administration, preventing it from continuing the Remain in Mexico policy in California and Arizona  However, before the injunction could take effect, the Supreme Court ruled the policy could be enforced as the case against the policy, officially known as Migrant Protection Protocols, was heard in heard in court.  The plaintiffs in this case (Wolf v. Innovation Law Lab) are asylum-seekers who were forced to wait in Mexico for a decision on their asylum claims. The border wall case is not really about the legality of the construction of the wall itself, but how the wall is being paid for.  The Trump administration was unable to secure funding for the border wall through Congress, instead opting to transfer funds from projects appropriated to several military projects.  The transfer of funds was originally blocked by a district court judge and upheld by an appellate court, but the Supreme Court lifted that injunction as well.  The case is Trump v. Sierra Club.  Though the border wall is the reason for the court case, the arguments are more related to the power of government than immigration specifically. Immigration law is at a crossroads in the United States of America, but no matter which path is taken, the Law Offices of Scott Warmuth will help its clients meet their immigration goals.  We offer 100% free initial consultations, so call us today at 888-517-9888.[/vc_column_text][/vc_column][/vc_row]
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San Gabriel Valley Master Key – Episode 7 – Jeff Julian

Topics: San Gabriel Valley Master Key

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[vc_row][vc_column][vc_column_text]Episode 7 of the San Gabriel Valley Master Key podcast, co-hosted by Attorney Scott Warmuth, was officially released today!  This episode features Jeff Julian, Head Coach at the Rose Bowl Aquatic Center. Episode Description:  Jeff Julian is the head coach at the Rose Bowl Aquatics Center. He helped coach Jason Lezak before the 2008 Olympics in Beijing. In 2015 Jeff Julian was diagnosed with stage four lung cancer. While going to different doctors he was losing hope because all they saw a dead man and wouldn’t consider a treatment beyond the standard care. He about lost all hope when he finally found a doctor who gave him hope and helped put him in a clinical trial for immunotherapy drugs. Now with the cancer gone he shares his story of hope and enjoys life even more than before.“  To everyone going through a tough time, I want to tell you to never give up hope,” Jeff says. “Hope is never a bad thing. Hope is the foundation on which we get back up and the belief that something better can come tomorrow.” Available now on Spotify, YouTube, Google Podcasts, Apple Podcasts, and iHeartRADIO!  Visit the San Gabriel Valley Master Key website for more information.[/vc_column_text][/vc_column][/vc_row]
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Naturalizing with a Criminal Record

Topics: Criminal Defense, Immigration

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[vc_row][vc_column][vc_column_text]The option of becoming a U.S. citizen becomes available to most immigrants who have possessed a green card for five years or three years if the green card was obtained via marriage.  One question our team of immigration experts often receives asks whether a green card holder who has been arrested or has a criminal record can still apply for U.S. citizenship through the naturalization process.  The answer will likely depend on the circumstances of the arrest and/or conviction. According to current immigration law, any applicant for citizenship must be considered to have "good moral character".  Good moral character is a relatively open term and is not clearly defined.  In most cases it is assumed that a citizenship applicant has, by default, good moral character, but certain actions can detract from that consideration.  Too many negative actions could preclude a judgment of good moral character.  And some negative actions could carry more weight than others.  An immigrant convicted of assault would be less likely to be considered of good moral character than an immigrant convicted of speeding, for example. Immigration officials will conduct a background check of anyone applying for naturalization.  The background check will include checking your name and any aliases (such as your maiden name) against several criminal databases locally, federally, and even internationally.  Should the background check turn up any negative information, immigration officials will have to decide whether they consider you of good moral character. The uncertainty of the good moral character test is a very good reason to seek the help of an experienced immigration law firm.  The Law Offices of Scott Warmuth can help green card holders navigate the process of naturalization and identify any potential roadblocks, and address them, in advance.  We offer free consultations for our immigration services, so call us today at 888-517-9888 to learn more.[/vc_column_text][/vc_column][/vc_row]
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What is Probation?

Topics: Criminal Defense

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[vc_row][vc_column][vc_column_text]Probation is a legal punishment often given to first-time, non-violent offenders who plead guilty to or are convicted of a crime.  Probation allows for eligible offenders to minimize jail time by complying with certain rules and conditions imposed by the court.  The terms and length of probation can vary from case to case and are contingent on following all of the prescribed terms while not committing additional crimes.  Violating the terms of probation can land a defendant in jail, sometimes up to the maximum jail sentence allowed by the law.  Criminal defense lawyers will usually seek probation whenever possible to keep their clients from serving time behind bars. There are two main types of probation: summary probation and formal probation.  Summary probation is more common for crimes considered less serious and does not have supervisory requirements.  Formal probation is for more serious crimes and felonies and requires regular meetings with a probation officer.  Formal probation is more restrictive than summary probation.  Both forms of probation are conditional, and typical conditions of probation can include:
  • Attending court appearances
  • Community service
  • Not committing additional crimes
  • Not meeting with certain individuals or groups
  • Not visiting certain locations
  • Obtaining permission before traveling out of the state
  • Abstaining from drugs and/or alcohol
  • Being tested for drugs and/or alcohol
  • Attending substance abuse prevention programs
  • Restitution
The terms of probation are typically specific to the circumstance of the crime, with defendants needing to agree to stop any actions that could lead to a repeat of the crime.  Defendants charged with DUI will likely be required to attend substance abuse programs but will not likely be prevented from meeting with certain groups as a part of their probation.  Terms of probation need to be adhered to for the length of the probation period. If the judge determines that the terms of probation were not kept, punishment can result in additional terms of probation, extended length of the probation period, fines, and the revocation of probation, which may land a defendant in jail.  Criminal defense attorneys can assist defendants at revocation hearings. Defendants facing a potential jail sentence can reduce their time behind bars by seeking probation.  As every situation is unique, it is impossible to tell whether or not any individual charge with a crime will receive probation.  The Law Offices of Scott Warmuth's team of criminal defense attorneys work on our clients' behalf to pursue the best options for everyone.  We can help you seek probation, meet the requirements of probation, and even advocate for early release under the right circumstances.  For a free legal defense consultation, call us today at 888-517-9888.[/vc_column_text][/vc_column][/vc_row]
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USCIS Fee Increases Blocked by Federal Judge

Topics: Immigration

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[vc_row][vc_column][vc_column_text]It is hard to keep up with all of the news that is happening.  Several recent immigration stories have more or less fallen through the cracks. One such story is a judicial ruling with a positive outcome for immigrants.  The USCIS rule that included dramatic fee increases that was scheduled to take effect on October 2 was stopped by a federal judge.  U.S. District Judge Jeffrey S. White of the Northern District of California placed a preliminary injunction on the rule on September 29.  The injunction prevents the rule from being implemented until the legal case challenging the rule is heard in court. Judge White issued the injunction after coming to the conclusion that the legal challenge brought by the Immigrant Legal Resource Center and other non-profit plaintiffs was likely to succeed on the merits and met other qualifying requirements.  Interestingly, one of the arguments brought by the plaintiffs is that the political appointments of Kevin McAleenan and Chad Wolf as acting Secretary of Homeland Security were not lawful under the Homeland Security Act and therefore could not implement the rule that increased immigration fees.  This argument could potentially be used to challenge other immigration rules that have gone in to effect under its current leadership. The now postponed rule would have increased the cost to process certain immigration forms, introduced a fee for asylum applicants, increase the cost of becoming a U.S. citizen, and increased the amount of time it takes for premium processing.  This ruling is likely to be appealed and the injunction could potentially be lifted by an appeals court. See the full news story here.  See the judge's ruling here. The Law Offices of Scott Warmuth has been helping immigrants to the United States for more than 35 years.  We offer a variety of services, including visa processing, obtaining a green card, and seeking U.S. citizenship.  We offer free initial consultations to anyone seeking immigration assistance.  Call us today at 888-517-9888 to speak with our immigration experts.[/vc_column_text][/vc_column][/vc_row]
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The San Gabriel Valley Master Key Podcast – Now Available!

Topics: From Our Office

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[vc_row][vc_column][vc_column_text]The SGV Master Key podcast is now available!  The weekly show, co-hosted by attorney Scott Warmuth, features the people and businesses that make the San Gabriel Valley great.  The first episode, officially released October 5, features 55th State Assembly District member Andrew Rodriguez. The podcast is available on Apple Podcasts, Spotify, and YouTube.  All episodes are also available at the San Gabriel Valley Master Key Podcast website.[/vc_column_text][/vc_column][/vc_row]
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Helping Your Legal Case After a Car Accident

Topics: Auto Accident

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[vc_row][vc_column][vc_column_text]In the immediate aftermath of a car accident, the last think anyone is likely thinking about is the strength of the legal case for an insurance claim that will need to be made in order to pay for medical bills and car repairs.  That is okay.  The first thing to do immediately after a collision is to assess the situation and ensure your safety.  If possible, remove your vehicle from traffic and contact emergency authorities if necessary.  Once your safety is secured, take a deep breath and consider the actions that now must be taken.  To best help yourself in any potential insurance claim, you will want to collect as much information and evidence as possible. Every car accident is unique, but the more supporting evidence you have about the accident the harder it will be for insurance companies to deny your claim.  Exchange contact information and insurance information with every involved driver, but do so without apologizing or discussing the details of the incident.  If possible, collect contact information from any eyewitnesses to the crash.  Eyewitness testimony that supports your recollection of events will be extremely important if the at-fault driver attempts to blame someone else for the collision. Be sure to document everything you can.  Take pictures of everything: vehicle damage, road conditions, any visible injuries, any other damaged property, anything else you think might be relevant.  Write down or make a digital note of any information you think may be important: license plates, the location of the crash, and descriptions of non-visible injuries, like whiplash or back pain.  Protect any physical evidence related to the crash: broken glasses, damaged child safety seats, and ruined clothing are examples of evidence that could attest to the severity of the crash.  If you happen to have a dash cam, be sure to extract the video leading up to the crash. The most important way to help your legal case after a car accident is by contacting an experienced injury attorney as soon as possible.  Among other immediate benefits, the Law Offices of Scott Warmuth offers guidance on the best course of action our clients can take to pursue an insurance claim after a crash.  We will take all of the information you gathered after the collision to craft your legal case and ensure fair compensation from the insurance companies.  We offer free consultations and have a no recovery no fee policy.  If we are unable to secure you a settlement or judgment, you will not owe us any attorney's fees.  Call us at 888-517-9888 and speak with a car accident expert today![/vc_column_text][/vc_column][/vc_row]
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New Proposed Student Visa Rule Targets Mainly African and Middle Eastern Countries

Topics: Immigration

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[vc_row][vc_column][vc_column_text]Hundreds of thousands of student visas are issued by the United States every year.  F visas and M visas allow foreign students to enter the country for the purpose of pursuing a U.S. higher education.  A new proposal from the Trump administration would make pursuing a bachelor's, master's, or doctoral degree much more difficult for certain foreign students.  Specifically, the proposal appears to target students from many countries in Africa, the Middle East, and Asia. The rule, as proposed, would limit the length of a student visa to two year for students who come from countries that have more than a 10 percent rate of student visa overstays and countries labeled as state sponsors of terrorism.  Though the majority of student visas come from China, India, South Korea, Saudi Arabia, and Canada, the new rule could affect tens of thousands of students from countries such as Vietnam, Nigeria, Nepal, and Iran.  Students coming from any country on the list would need to seek and obtain student visas every two years to pursue a U.S. education. There are approximately 59 countries whose students would be affected.  The list includes Tuvalu, population 11,192.  Six students from Tuvalu were issued student visas, of whom one student overstayed his or her visa, a 17 percent rate of visa overstay, qualifying Tuvalu for the visa restrictions.  A full list of countries that would be affected is mapped in the following tweet:[/vc_column_text][vc_row_inner][vc_column_inner width="2/3"][vc_column_text]See the proposed rule here. Implementation of this proposed rule, along with many others affecting immigration, could depend on the outcome of the 2020 presidential election.  Immigration law has been in a constant state of flux for the past few years.  The Law Offices of Scott Warmuth is constantly evaluating all possible changes to immigration law so we be can best serve our clients.  We've been helping students pursue a U.S. education since 1984.  If you need immigration legal services, call our offices today at 888-517-9888 to schedule a free consultation.[/vc_column_text][/vc_column_inner][vc_column_inner width="1/3"][vc_column_text] [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]
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National Voter Registration Day – Register to Vote Today!

Topics: From Our Office, Immigration

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[vc_row][vc_column][vc_column_text]For more than 35 years, the Law Offices of Scott Warmuth as been helping immigrants to the United States live and work in the country legally.  We have helped thousands of immigrants from all over the world obtain their green cards and pursue U.S. citizenship.  One of the most important benefits U.S. citizenship confers is the right to vote. Today, September 22, is National Voter Registration day.  U.S. citizens, whether natural born or naturalized, who will be 18 years old by Election Day (Tuesday, November 3rd) are encouraged to register to vote!  It is one of the most important civic duties a United States citizen can perform! Residents of California who wish to register to vote can do so online at the California Secretary of State voter registration website.  Any eligible Californian voter, including recently naturalized citizens, citizens who have just turned 18, or citizens who have simply never registered to vote before can use the website and become a registered voter before the 2020 elections!  The website allows voters to register in numerous different languages, including Chinese and Spanish.  California residents aged 16 or 17 can also use the website to pre-register to vote and registered Californian voters can check their registration status. The Law Offices of Scott Warmuth strongly encourages all eligible voters to register to vote and participate in the upcoming 2020 election!  Immigrants who have possessed a green card for at least five years are eligible for U.S. citizenship.  Though these immigrants will not be able to participate in this election, after receiving citizenship they will be able to register to vote for all future elections.  If you or someone in your family is interested in pursuing U.S. citizenship, call our offices today at 888-517-9888 to receive a free citizenship legal consultation![/vc_column_text][/vc_column][/vc_row]