Choosing the right car insurance policy can be daunting. While some websites try to make it easier for you by giving you options, you can’t be sure those options give you the coverage you need.
Like other states, California requires that each driver carry car insurance. This requirement helps protect every driver and passenger on California roads. Should you get into an accident, you won’t be buried under massive medical bills.
But even minor accidents can cause serious injuries. The medical treatment costs for these injuries may exceed your policy limits, leaving you unsure how you will pay your bills. Speaking with an experienced car accident attorney can help you answer these questions and overcome your challenges.
California Minimum Liability Coverage
California has strict minimum requirements for automobile insurance. These include:
- $15,000 for injury or death to one person
- $30,000 for injury or death to more than one person
- $5,000 for damage to property
Car insurance is designed to provide compensation for other people who were injured in a car accident caused by the policyholder’s negligence. So, if you are injured in a car accident caused by someone else, their insurance will pay for your medical expenses, but usually only up to their policy limit.
In severe car accidents, a victim’s medical bills can exceed the insurance policy limits of the negligent driver. For most injuries, the minimum insurance requirements are inadequate.
Protect Yourself: Uninsured Motorist Coverage
If you are injured in a car accident caused by an individual who does not have enough insurance, you may get less money than you need to cover your medical bills. However, if you have more than the minimum insurance coverage, including uninsured (UM) and underinsured (UIM) motorist coverage, your own insurance may be able to cover the additional expenses and lost income that you may suffer.
Unfortunately, increasing your own insurance coverage usually means you will have to pay higher premiums. And after filing a claim against your own insurance company, you may see your rates rise even higher.
Full Protection with a Car Accident Lawyer
You may be more protected by increasing your own policy limits and by including uninsured (UM) and underinsured (UIM) motorist coverage, but paying higher monthly premiums takes more money out of your pocket.
If you or a loved one is injured in a car accident that was not your fault, you may be able to sue the driver to recover additional compensation.
It’s frustrating and challenging to deal with insurance companies, whether your own or the at-fault driver’s. A car accident victim who does not understand their legal rights is easy prey for the insurance company, and that’s especially true if your injuries exceed the policy limits.
While you spend your time healing from your injuries, your PARRIS legal team will aggressively negotiate with the insurance company to collect maximum compensation for your injuries. To learn more about your options and pursue legal action against the negligent driver, contact PARRIS today.