With the economy as it is, money is tight.

One way people are saving a little extra is to use comparison shopping in relation to auto accident insurance.  But if you get into a car accident, will you be adequately covered?

The National Association of Insurance Commissioners say that car accident insurance comparison shopping takes time — and could save you money — but you must know the coverage you need before you start comparing prices.

Our car accident attorneys stress the need to get proper auto insurance as mandated by California law.  But having the bear minimum might not be in your best interests.

Having the wrong car insurance coverage could prove far more expensive if you are injured in a car accident.  That will result in high costs for medical bills as well as additional pain and suffering you will go through.

An adequate resource geared to auto accident insurance is the Insurance Information Institute, a non-profit advocacy group.  The institute is supported by the insurance industry, but the site contains good information and tips for saving money.  However, price should not be the lone factor in choosing proper insurance in case you get into a car accident.

“It is important to select a company that is financially sound and has a reputation for outstanding customer service,” said a consumer spokeswoman for the institute.

In the “Golden State,” California Insurance Code 11580.1b states the minimum auto accident insurance liability coverage required by law is 15/30/5 ($15,000 for injury or death to one person in a car accident, $30,000 for more than one person, and $5,000 for property damage.)

Auto Insurance Specialists, a California-based company, provides a website for comparison shopping online for car insurance to ensure that people involved in automobile accidents have the right coverage under California law.

At the end of the day, having the right insurance is not only necessary to you if you get into a car accident, but it is paramount for all parties involved.  Our car accident lawyers have a helpful resource page dealing with getting the right car accident insurance at the right price.  It will hopefully cure some of the confusion about insurance that you may have.

Please contact us for a free consultation with an experienced car accident attorney — we speak both English and Spanish — at (800) 655-6585.  Click here and you may also submit your case for a Free Review.   No fee if no recovery.