Homeowners associations in California are generally governed by the Davis-Stirling Common Interest Development Act. The Act can be found in California Civil Code section 4000, et seq. Through the development of common law and the Act, nearly every homeowners association in California is governed by a written set of Conditions, Covenants and Restrictions (CC&R’s). These…

California law generally requires all drivers to carry automobile insurance to cover injuries and damage to others and their property. However, the minimum required coverage limits are relatively low: $15,000.00 per person/injury or a total of $30,000.00 for any one accident. While this minimal insurance may cover injuries or property damage in a minor fender…