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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E. P. Foster and Orpha Woods Foster Were Among the Early Settlers in the Conejo Valley

Eugene Preston and Orpha Woods Foster Family in 1890.

Eugene Preston and Orpha Woods Foster Family in 1890.

This is the Eugene Preston and Orpha Woods Foster family in 1890. This family has quite a history in Ventura County.

Eugene (E.P.) built a home in the Conejo Valley in 1874, where he operated a sheep business. Most of the 10,000 sheep perished in the terrible drought of 1876-1877. E.P. sold what remained of his business and moved to Ventura in 1877 (the same year that Egbert Starr Newbury and family moved back to the midwest...where Newbury passed away in 1880 at age 36).

Before the drought, in 1875, the Fosters became the parents of the first child of settlers born in the Conejo Valley. That daughter, the eldest of 10, only four of which survived childhood, was Orpha W. "Pearl" Foster. Pearl became president of Community Memorial Hospital in Ventura for over 25 years. She passed away at age 97 in 1973.

After his successes and struggles in the Conejo Valley, E.P. Foster became a highly successful entrepreneur and investor in Ventura, where he helped to establish the city's first electric light plant, developed natural gas wells and invested in the Bank of Ventura (now Bank of America) and the Union Oil Company. His philanthropic efforts led to the creation of Camp Comfort (the county's first park), Foster Park and the 91 acre Seaside Park, where the Ventura County Fair operates.

Additionally, the E.P. Foster Library on Main Street in Ventura is named after him; he and his wife donated funds for the original public library and city hall. The Fosters also donated funds and land to build what is now Community Memorial Hospital in Ventura.

But no, the Foster's Freeze in Ventura is not associated with E.P. Foster. :)

The E.P. Foster Library is part of the Ventura County Library system The cities of Thousand Oaks, Simi Valley, Moorpark and Camarillo operate their own, independent library systems.

La Conchita Bike Path Between Mobil Pier Road in Ventura to Rincon Point

My choice for most awesome Class I Bike Path in Ventura County is the La Conchita Bike Path that runs from Mobil Pier Road in Ventura (southwest of Mussel Shoals) to Rincon Point. The path is directly adjacent to the southbound Highway 101.

Entry point to La Conchita Bike Path at Rincon Point Rd/Bates Rd (directly adjacent to the 101 onramp).

Entry point to La Conchita Bike Path at Rincon Point Rd/Bates Rd (directly adjacent to the 101 onramp).

This distinct path premiered in September 2014 and provides for roughly 4 miles of unimpeded views of the Pacific Ocean on the west and is directly adjacent to the hustle and bustle of Highway 101 on the other side.

Do views from a bike path ever get any better than this!!??

Do views from a bike path ever get any better than this!!??

Class I bike paths are great to bring the entire family on as they are completely separate from street traffic. My kids love this path because it is flat, in great condition and is just so beautiful that its hard not to ride this path without a smile.

This separates the path from southbound 101 traffic. Pretty amazing riding carefree adjacent to the 101.

This separates the path from southbound 101 traffic. Pretty amazing riding carefree adjacent to the 101.

We brought the bikes to Rincon Beach Park to start our journey on the north end of the path. (Alternatively, park at Rincon Point or on Rincon Pt Road.) You first get to see surfers at the world famous Rincon Point, then on to the La Conchita Beach area.

One of several beach access points to the La Conchita Beach area.

One of several beach access points to the La Conchita Beach area.

There are several beach access points along the path.  As part of this project, Caltrans built an undercrossing to enable folks to walk to the beach from La Conchita

After La Conchita you reach a stopping point at the small community of Mussel Shoals, where you can stop at the Cliff House Inn for a drink and check out the man-made Rincon Island.

A quick stop to view the man-made an inaccessible Rincon Island

A quick stop to view the man-made an inaccessible Rincon Island

Walk your bikes across the offramp to the next bike path entry point, on to the next section of path that half circles southeast to its endpoint at Mobil Pier Road.

You cross here (signs indicate you must walk bikes across) to the next access point.

You cross here (signs indicate you must walk bikes across) to the next access point.

You will see beach area here referred to as Oil Piers Beach. There used to be piers here but they were taken down in 1998.  There is parking on Mobil Pier Road for beach/bike path access; you can park here and ride the path the opposite direction.

The beauty continues (except for the graffiti) as you ride towards Mobil Pier Road.

The beauty continues (except for the graffiti) as you ride towards Mobil Pier Road.

Mobil Pier Road is the endpoint of this Class I path, but, you can continue south if you'd like by taking the Mobil Pier Road underpass below the 101 to Pacific Coast Highway going south, past Hobson Beach Park, Rincon Parkway, Faria Beach Park and so on. This section is not Class I path but I've taken my kids here and we enjoy it.

Great stuff! A Ventura County "Bucket List" item that all of you have to try!

State Route 23 Between the 101 and 118 is Dedicated to Japanese American World War II Soldiers

Moorpark Freeway section of SR 23 taken from Marview Trail in Thousand Oaks.

Moorpark Freeway section of SR 23 taken from Marview Trail in Thousand Oaks.

State Route 23 stretches from Malibu to Fillmore in three sections. The south section is the winding, hilly Decker Canyon Road that connects Pacific Coast Highway to Westlake Village and Hidden Valley. This section is approximately 10 miles from PCH to the Potrero Road intersection, but generally takes 20 to 25 minutes to drive.

SR 23 continues as Westlake Boulevard to the Ventura Freeway (U.S. Route 101), where it runs concurrent with the 101 north a couple miles until you reach the Moorpark Freeway overpass. This is another 4 to 4 1/2 miles.

The most visible section of SR 23 in Thousand Oaks is the Moorpark Freeway, which stretches from the 101 to the Los Angeles Avenue exit in Moorpark; about 8 miles. This middle section of the 23 was named the Military Intelligence Service Memorial Highway in 1994 by the California State Assembly. The renaming was made in honor of Nisei, or Japanese American, Soldiers of World War II who served in units of the U.S. Armed Forces comprising the 100/442/MIS triad (Military Intelligence Service, 100th Infantry Battalion and 442nd Regimental Combat Team). **

Military Intelligence Service Memorial Highway sign

Military Intelligence Service Memorial Highway sign

The northern section of SR 23 begins at Los Angeles Avenue (SR 118) in Moorpark and goes north as Grimes Canyon Road, ending at SR 126 in Fillmore. This is about a 12 mile stretch includes some eye opening, hilly twists and turns in the Grimes Canyon Road area.

The total length of SR 23 is about 32 miles.

** Some additional clarification from the 1994 legislation: Segments of State Highway Routes 23 and 99 are officially designated as follows: (a) State Highway Route 23, from Highway 101 to Highway 118, as the Military Intelligence Service Memorial Highway. (b) State Highway Route 99, between the Cities of Fresno and Madera, as the 100th Infantry Battalion Memorial Highway. (c) State Highway Route 99, between the Cities of Salida and Manteca, as the 442nd Regimental Combat Team Memorial Highway. Each of the signs to also include "A unit of the 100/422/MIS triad.

Sculpture in Honor of Beloved Thousand Oaks Veterinarian at Civic Arts Plaza

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Many of you may have seen the large bronze sculpture adjacent to the parking lot at the Thousand Oaks Civic Arts Plaza featuring a man, a boy and a dog.

The man is Dr. Robert E. Kind and the sculpture is a memorial to the doctor, who passed away in 1998 after practicing veterinary medicine in Thousand Oaks for over 40 years. 

"A Kind Touch" is the name of the sculpture. Dr. Kind, a native of Herington, Kansas, dedicated his life to the care and love of his patients. These patients included the zoo animals at Jungleland, which resided at the land now occupied by the Thousand Oaks Civic Arts Plaza, until it closed in October 1969.

The sculpture, the work of artist David L. Spellerberg, was presented by colleagues, family and friends of Dr. Kind to the City of Thousand Oaks in his memory on May 21, 2000. Inscribed on a plaque accompanying the sculpture is "His manner was modest, His touch was gentle, And his laugh was legendary."

Dr. Kind's son, Dr. Steven Kind, MD, is a practicing gastroenterologist in Thousand Oaks. 

Conejo Creek Park North in Thousand Oaks is a Perennial Family Favorite

Conejo Creek Park North is one of the nicest, widest appealing parks throughout Ventura County. You get almost everything at this park. This 44 acre park has two ponds with a stream connecting them, two separate play areas, beach-style volleyball courts, a NEOS game, multiple large, shaded picnic areas. a fitness trail about 2/3rds of a mile that circles the park, plenty of shade trees and multiple large, grassy areas. Something for everyone.

Topping it off is the fact that the park is adjacent to the beautiful Grant R. Brimhall Library, Goebel Senior Center and Thousand Oaks Teen Center. We often park at the library, check out some books, then walk, scooter or ride across a bridge to the park. It is a great way to spend the day.

Conejo Creek Park North is extremely popular for larger events on the upper grass area adjacent to the largest picnic structure. There is plenty of parking available. And in the middle of the park is a jungle-like trail area that I enjoy exploring with the kids. We also see birthday party celebrations all the time.

To learn more about Conejo Creek Park North, visit the Conejo Recreation and Park District website at www.crpd.org. To learn about other parks we enjoy in and around Ventura County, click THIS LINK.

Federal Reserve Establishes U.S. Coin Task Force to Address Low Coin Inventories

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According to the Federal Reserve, business and bank closures associated with the COVID-19 pandemic have significantly disrupted the supply chain and normal circulation patterns for U.S. coins. While there is an adequate overall amount of coins in the economy, the slowed pace of circulation has reduced available inventories in some areas of the country.

The primary issue with coin is a dramatic deceleration of coin circulation through the supply chain. As of April 2020, the U.S. Treasury estimates that the total value of coin in circulation is $47.8 billion, up from $47.4 billion as of April 2019. While there is adequate coin in the economy, the slowed pace of circulation has meant that sufficient quantities of coin are not readily available where needed. With establishments like retail shops, bank branches, transit authorities and laundromats closed, the typical places where coin enters our society have slowed or even stopped the normal circulation of coin. The coin supply chain includes many participants, from the U.S. Mint who produces new coin, to the Federal Reserve who distributes coin on the U.S. Mint’s behalf, to armored carriers, banks, retailers and consumers, all of whom have a role to play in helping to resolve this issue.

The Federal Reserve is working with the U.S. Mint and others in the industry on solutions. As a first step, a temporary cap was imposed on the orders depository institutions place for coins with the Federal Reserve to ensure that the current supply is fairly distributed. In addition, a U.S. Coin Task Force was formed to identify, implement, and promote actions to address disruptions to coin circulation.

Members of the U.S. Coin Task Force include individuals from the American Bankers’ Association, Department of the Treasury, National Armored Carrier Association, Federal Reserve System and other organizations.

The task force will meet for a series of virtual working sessions in July with the goal of sharing a set of recommendations at the beginning of August. The group will focus on identifying actionable steps that supply chain participants can take to address the current coin circulation issue.

As the economy recovers and businesses reopen, more coins will flow back into retail and banking channels and eventually into the Federal Reserve, which should allow for the rebuilding of coin inventories.