Hi SoCal. Change is our intention.

New legislation was introduced for Californians this year. From real estate development to traffic regulations, some of the new laws may affect how California residents navigate their neighborhoods and what those neighborhoods might look like in the near future.

“California owners and drivers should be aware of new laws that are already in effect for 2022,” said Adam Bakonis, Mercury Insurance Product manager. “Your insurance coverages may need to be adjusted to protect your family and property. Mercury always keeps a watchful eye to better protect its customers. »

These signed bills Californians should know about now and how they might affect their insurance coverage:

  • Senate Bill 9: Known as the “duplex bill”, it allows for the construction of a second dwelling on an existing single-family lot or the conversion of a subdivision of an existing single-family lot into two separate lots on which up to two dwellings can be built. each batch. As a result, a lot with a single-family unit today could be split into two lots with a total of four housing units with limited opposition from local authorities. Landlords would still need to obtain permits, but authorities would generally have to allow landlords in some California communities to build more than one unit on what was once considered single-family land. However, owners who choose to build more than one unit on their property will need to modify their home insurance policy. buildings on each lot,” Bakonis said. “In some scenarios, owners may be able to bundle policies with the same carrier, which may give them a premium discount. Policyholders should speak to their insurance agent before beginning any construction to assess appropriate coverage. owners policy or they may need a separate owner policy depending on the circumstances.
  • Road Safety Bill AB47: Although this law came into effect on July 1, 2021, it is important to note that it will add points to the driver’s record for those who violate the hands-free driving law for the second time in 36 months. The law aims to prevent talking or texting with a phone in your hands while driving. The best way for drivers to keep their premiums low is to keep distractions at bay and not use a smartphone or any other device that might distract their attention from the road while driving,” said Kevin Quinn , Vice President of Claims at Mercury. Assurance.

Bernard P. Love