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Auto Accident Injury Coverage. If you are in a auto accident you will want to know right away how much automobile insurance coverage the other driver has. It can be difficult to know how much auto accident insurance the at fault driver has. So, before an auto accident, it is critical that you understand your own automobile insurance coverage. You should know your auto insurance coverage before the accident. By the time you contact a personal injury lawyer, it is too late to change your auto accident insurance coverage.
Despite the fact that most state laws make it mandatory for motorists to carry at least minimum car insurance coverage and heavy penalties for violating these laws, the number of uninsured or under insured motorists on the roads is still high. In 2010, data from the Insurance Research Council showed that one in every six motorists had no car insurance. Additionally, about 14 percent of all car owners in the country either are under insured or have no car insurance. The most common reasons cited for this are high premiums and the inability to afford car insurance.
As unemployment rates soar and the cost of living goes up, car insurance becomes less of a priority to many motorists, so they strike it out of their budgets in order to reduce expenses. However, this may turn out to be more costly than buying car insurance. In California, if you are in an auto accident in which you are held responsible, you will cover the resulting expenses such as medical bills of injured persons, car repairs and so on. Without car insurance, you may have to pay for auto accident expenses out of pocket. An auto accident could change your life even if you are not injured!
California’s financial responsibility laws require all car owners to carry minimum liability coverage of $15,000 Bodily Injury for injury or death of any one person in any one auto accident or $30,000 for all persons. This requirement also includes $5,000 in Property Damage for any one auto accident. This is only a minimum liability coverage that would pay out in the event you are legally responsible for an accident that causes injury, death or damage to property.
Sometimes the damages resulting from an auto accident in which you are held liable may be extensive with the cost easily exceeding your basic coverage limits. If this happens, you will pay for the remaining amount from your pocket. Therefore, having basic automobile insurance coverage may not give you adequate protection and that is why it is a good idea to purchase a liability policy with a higher limit. Ideally, you should have coverage of $500,000. Considering the high cost of medical care, repairing a car or a lawsuit if the claimant sues you, this amount can cover considerable expenses, if not all. A personal injury lawyer can explain provide suggestions for auto accident coverage. Our personal injury lawyers see people everyday that are underinsured. The problem is that by the time you contact The May Firm, the auto accident has occurred and it is too late to add additional auto accident coverage. Now is the time to protect yourself. After the car accident is not the time to learn about your auto accident coverage.
Another good option to consider purchasing is medical payments coverage or med pay. Medical payments can cover a considerable amount of your medical expenses and those of your passengers regardless of who is liable for the accident. This type of coverage is quite affordable and is especially useful for those without health insurance. Medical payments coverage is great way to protect yourself if you are in an auto accident.
Because of the high number of uninsured motorists and those with inadequate insurance, it makes sense to protect yourself and your family by purchasing uninsured or under insured motorist coverage. Many motorists without this type of coverage have found themselves in situations where an uninsured or underinsured motorist causes an accident but cannot pay due to lack of insurance. Adequate uninsured or underinsured motorist coverage will pay for your expenses after a car accident caused by an uninsured motorist.
If you find the cost of car insurance high, there are other ways to lower your insurance premiums. It is better to keep the cost of your car insurance down instead of buying inadequate coverage. You can do this by watching out for additional or hidden charges on your policy. Also, look car insurance discounts for safe driving, good grades, and avoid speeding tickets. Consult your auto insurance provider for the costs of adding to your policy. Additional automobile insurance coverage will protect yourself and your family.
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