California Drivers Are Not Necessarily Required to Have Auto Insurance

Yes, it is true, technically, the law does not state that drivers in California MUST carry auto insurance.

However, California Vehicle Code Section 1656.2 does have certain "compulsory financial responsibility" requirements most easily met by maintaining valid auto liability insurance that covers, at a minimum, $15,000 for injury/death to one person, $30,000 for injury/death to two or more persons and $5,000 for property damage.

Alternatively, the law allows financial responsibility to be met in one of three other ways: a cash deposit of $35,000 with the DMV, a DMV-issued self-insurance certificate or a surety bond for $35,000.

Now, if someone can actually afford to leave a $35,000 deposit with the DMV, they probably have a lot more assets that could be put at risk without adequate insurance in place. Probably not a good idea. I called the DMV Financial Responsibility Unit. Apparently some people leave the cash deposit who feel they spend too much on premiums over the years. Or perhaps if they import a car that is difficult to insure.

I also asked about the "self insurance" option and laughed when I heard you need a net worth of at least $2.2 million and a fleet of 25 or more cars. Not really geared toward most individuals.

Posting a surety bond for $35,000 is an alternative to insurance but the cost can be significant, generally ranging from 1 to 5% of the value of the bond.

A Low Cost Auto Insurance Alternative

As we know, auto insurance can be expensive. The California Low Cost Automobile (CLCA) Insurance Program was established in 1999 to help income-eligible drivers with good driving records purchase liability insurance that meets State requirements.

To qualify for a CLCA insurance policy, you must

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California's Statewide Smoke-Free Air Laws

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The state of California has a number of smoke-free laws in place that include traditional tobacco products such as cigarettes, cigars and pipes as well as electronic smoking devices. Let's have a look at these laws below, keeping in mind that local laws may be more stringent. Learn more about smoke-free air laws at www.cdph.ca.gov/Tobacco.

Child/Day Care Centers: Smoking is prohibited within all licensed day care center, including private residences licensed as family day care homes.

Farmers' Markets: Smoking is prohibited within 25 feet of farmers' markets.

Foster and Group Homes: Smoking is prohibited within and outside these homes when children are present.

Government Buildings: Smoking is prohibited in all state, county and city government buildings and within 20 feet from their main exits, entrances or operable windows and in any passenger vehicle owned by the state.

Multi-Unit Housing: Smoking is prohibited in apartment and condo indoor commons spaces (e.g. hallways, stairwells, laundry rooms and recreation rooms).

Personal Vehicles: Smoking prohibited when children under age 18 is present in a motor vehicle, whether it is moving or stopped.

Public Transportation: Smoking prohibited.

Workplaces: Smoking is prohibited in all indoor workplaces, including bars, restaurants, offices, factories and warehouses. 

Youth Buses: Smoking is prohibited by operators of youth buses at all times.

Correctional Facilities: Smoking and tobacco products are prohibited in all state correctional facilities. Tobacco products may be possessed in residential staff housing where inmates are not present.

Playgrounds and Youth Sports Events: Smoking and tobacco products are prohibited within 25 feet of playgrounds, tot lot sandboxes and children's recreational areas, as well as within 250 feet of a youth sports event (including practices, games or related activities where kids up to age 18 are present).

Schools: Smoking and tobacco products are prohibited in all school districts, charter schools and county offices of education, while students are under supervision. 

Looking to quit smoking? Find help at the California Smokers' Helpline, 1-800-NO-BUTTS or by visiting www.nobutts.org.

California Tobacco Facts and Figures 2019 from the California Department of Health

  • Adult tobacco use in California decline from 57.4% in 1988 to 10.1%, or 2.8 million adults, in 2017. The rest of the U.S. is at 17..1%.

  • There is a clear correlation between education and cigarette smoking. Just 6.7% of residents with a bachelor’s degree smoke, vs 16% for those without a high school degree.

  • Ventura and Santa Barbara Counties have a cigarette smoking rate of 9.6% in 2015-2017.

  • Youth cigarette use has dropped from 16% in 2002 to 2% in 2018, while the U.S. rate has dropped from 22.5% to 8.1%.

Rattlesnake Do's and Don'ts in the Trails of the Conejo Valley and Neighboring Areas

I've seen more snakes in the trails of the Conejo Valley in recent years than I can ever recall, some, but not all of which are rattlesnakes.

According to the California Department of Fish and Wildlife, rattlesnakes are generally not aggressive but can strike when they feel threatened or provoked. If you come across one on the trail, just back off and give them room to retreat. They don't want to mess with you!

Rattler crossing the Rosewood Trail on a sunset hike.

Rattler crossing the Rosewood Trail on a sunset hike.

It is rare that rattlesnakes cause serious injury to humans. According to the California Poison Control Center, rattlesnakes account for 800 bites each year, with only one or two deaths. Most bites occur during the months of April through October, when both humans and snakes are active outdoors. About 25% of bites are dry (i.e. no venom), but still require medical treatment.

Do's and Don'ts

  • Wear shoes when out hiking in the trails.

  • Stay ON the trails...don't venture out into the underbrush, where snakes may be hiding.

  • Watch what you touch with your hands too...especially if it's dark and hard to see.

  • Leave them alone. They are fun to watch, but do so from a distance. Don't try to pick them up.

Is it a Rattler or a Gopher Snake?

On the trails of the Conejo Valley I've come across rattlesnakes, gopher snakes, king snakes, garter snakes and perhaps a few others I wasn't able to identify. The rattlesnakes are the ones to be particularly wary of because of their venom, so be aware of the following distinctions:

Rattlesnakes are wider/heavier than most of the other local snakes and have a triangular-shaped head, broader at the back than at the front, with a distinct "neck." They have openings between the nostrils and the eyes. There are a series of dark and light bands near the tail which look different from the markings on the rest of the body.  DO NOTE that rattles may not always be present as they may have fallen off are are not always developed on a young rattler.

For some great information on identifying California snakes, visit www.californiaherps.com/identification/snakesid/common.html.

Notice the stocky size of this rattlesnake, the clear rattle, and the different series of dark and lights bands leading down towards the rattle.

Notice the stocky size of this rattlesnake, the clear rattle, and the different series of dark and lights bands leading down towards the rattle.

Beautiful King Snake (known for lunching on rattlesnakes).

Beautiful King Snake (known for lunching on rattlesnakes).

Gopher snake crossing the trail in Rancho Sierra Vista/Satwiwa.

Gopher snake crossing the trail in Rancho Sierra Vista/Satwiwa.

Gopher snake on the Vista Del Mar Trail in Newbury Park.

Gopher snake on the Vista Del Mar Trail in Newbury Park.

Virtual Performances By Well Known Singers During the Coronavirus Stay at Home Order

We’ve been in a “Stay Well at Home” order in Ventura County since March 20th that has been extended to May 15th. All places of gathering have been closed and in my case I was looking forward to seeing Kansas perform at the Bank of America Performing Arts Center Thousand Oaks the day before the order was put into place (the concert has been postponed).

A number of well known singers have taken to the Internet from their homes to entertain us during this bizarre time. Enjoy them!

Bonnie shares a message of hope during the COVID-19 pandemic and a performance of the song "Home," which first appeared on her 1977 album, Sweet Forgiveness....

If you like this then listen to Dennis DeYoung and Julian Lennon sing "To The Good Old Days" from Dennis DeYoungs' upcoming album "26 East" on Frontiers Reco...

Neil Diamond sings "Sweet Caroline" with updated lyric for safety during Covid-19 pandemic. Stay safe out there!

Neil Sedaka has been performing daily mini-concerts on his YouTube channel since April 6th.


Carole King shares words of encouragement along with a slightly revised version of "So Far Away" during these challenging times. Listen to Carole King: https...
On Easter Sunday (April 12, 2020), by invitation of the City and of the Duomo cathedral of Milan, Italian global music icon Andrea Bocelli gave a solo perfor...

Wonderful Messages in Sidewalk Chart Art Posted by Thousand Oaks Resident

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Now how cool would it be to be neighbors with sidewalk chart artist Dawn Wagner in Thousand Oaks. She tagged us on Instagram with these photos of her fantastic chalk work in Thousand Oaks.

Words of wisdom:

"Enjoy the little things in life."

"Any day spent with you is my favorite day. So, today is my new favorite day."

"Don't underestimate the value of doing nothing, of just going along, listening to all the things you can't hear, and not bothering."

Really strikes a chord today as we enter our third week of statewide “Stay at Home” orders.

Dawn’s work really resonated with folks on Facebook today at THIS LINK. Refreshing to see such positivity!

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Look Before You Leap Year

ce when the sun is directly over the Earth's equator. To make up for this .2422 day difference, we add an extra day (a "Leap Day") to the calendar in certain years.

Which years are considered Leap Years? Most of us think Leap Years happen every 4 years. But there's more to it. In the Gregorian calendar unveiled by Pope Gregory XIII in 1582 A.D. that we use today, a Leap Year is any year divisible by 4; however, if the year is divisible by 100, it is not a Leap Year; but, if the year is divisible by 400, it IS a Leap Year. So year 2100 will NOT be a Leap Year (not that I'll care at age 136), while 2000 indeed was a Leap Year.

Leap Year rules were simpler during the 16 centuries that Julius Caesar's Julian calendar was used (beginning 45 BC). The rule was to add a Leap Day every 4 years. Problem was, this did not match the vernal equinox cycle with enough precision.

Why is it called a Leap Year? One theory is that a

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Reminder About How to Deal with Coyotes in the Conejo Valley and Surrounding Areas

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Living in the Conejo Valley, surrounded by thousands of acres of open space, most of us come into contact with coyotes from time to time. Coyotes are a vital component of rural and urban communities, deserving of respect for their adaptability, resilience and intelligence. Below are some tips on coyote awareness, courtesy of Project Coyote.

Facts:

  • Coyotes are members of the dog family; they are curious, adaptable, and learn quickly.

  • Coyotes often mate for life, are devoted parents, and are highly communicative (barks, yips, howls).

  • Coyotes weigh 18-35 pounds in the West.

  • Coyotes may be more protective of dens/territories during pup rearing (April-Aug).

  • Coyotes eat large numbers of rodents and rabbits, as well as fruit, vegetation, insects and carrion. They help keep ecosystems vital, healthy and clean.

  • Coyotes are naturally wary of people but can adapt to our presence and the reliable food sources that we provide.

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Safety:

  • DON’T FEED COYOTES. Their life and your safety depend on coyotes remaining wild and naturally wary of people.

  • Remove attractants; pick up trash, secure garbage, and feed pets inside. Don’t leave food or pets outside at night.

  • Walk dogs on leashes, especially during pup rearing season (April-Aug). Pick up your small dog if you see a coyote and don’t let pets roam.

  • If approached, don’t run. Wave arms, make noise and walk toward the coyote until he retreats. Be “Big, Bad and Loud.”

  • Avoid areas where coyotes may be denning or feeding/hiding pups.

  • Appreciate coyotes from a distance. Share this information with family and friends.

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