In states such as California, driving a car without insurance is against the law. Insurance protects drivers from high costs resulting from a car accident that causes personal injury, property damage or wrongful death. Knowing the basics in car insurance can save thousands of dollars before a car accident happens.
As car accident attorneys, we know how important it is for all drivers to have car insurance for their cars in case car accidents happen leading to personal injury or wrongful death. One-third of car accidents cause personal injury or wrongful death.
Consumers should be aware of how car insurance works because it is vital for all drivers. Drivers pay premiums, the amount to be paid for an insurance policy, to an insurance carrier before an accident occurs. If a car accident happens, the carrier pays for the costs of the damage when a car accident happens.
Car accident insurance has certain aspects that it handles.
Liability insurance pays for property damage and bodily injury that comes as a result of a car accident that a driver is at fault for. Liability insurance is sold in predetermined amounts. For example, a “100/300/50” means you are insured for $100,000 in personal injury per person with a maximum of $300,000 in bodily injury per car accident and then $50,000 in property damage.
Collision insurance covers pay for any property damage that happens to your vehicle as a result of a car accident with another car or object. Collision insurance only covers loss to your car in a car accident.
Uninsured or underinsured policies protect you during a car accident where the other driver is at fault and has little or no liability insurance. This insurance is some of the most important coverage you can carry.
As car accident lawyers, we know the importance for all drivers to have auto insurance. A car accident can cause personal injury like whiplash, spinal cord injuries causing paralysis (i.e. paraplegia and quadriplegia) as well as traumatic brain injuries like concussions. Property damage is likely, and in the worst cases, wrongful death can happen.
A couple of hundred dollars now can mean savings of a couple of thousand dollars if a car accident happens to you.
Please contact us for a FREE CONSULTATION with an experienced car accident attorney — in either English or Spanish — at (800) 655-6585 or click here to submit your case for a Free Review.
SENIOR PERSONAL INJURY ATTORNEY & FIRM FOUNDER
Michael Pines is a former insurance company attorney who graduated from the University of California Hastings College of the Law in 1987. While he was an insurance attorney, he learned from behind the scenes how insurance companies work and how they decide how much to pay injured people. Now that he works against insurance companies, Michael’s inside knowledge has resulted in significant benefits to his clients injured in car accidents. Learn more about Michael Pines