GJEL Accident Attorneys Quiz 1: Auto Insurance Basics

Gillin Jacobson Ellis & Larsen (GJEL Accident Attorneys) has seen an increase in auto accident cases relating to uninsured motorists. Drivers may require more auto insurance to protect against rising rates of uninsured/underinsured motorists. GJEL offers this first-in-a-series of 10-question quizzes so you can better understand auto insurance basics and needs.

San Jose, Calif. October 28, 2009 — With each percentage point increase in unemployment, there is 3/4 of a percentage point increase in uninsured motorists, according to a study by the Insurance Research Council, Uninsured Motorists, 2008 Edition.

“What that implies for California drivers, are peak numbers of uninsured andunderinsured motorists putting all drivers at risk for personal injury,” said Andrew Gillin, managing partner of GJEL Accident Attorneys, a catastrophic injury and wrongful death law firm in the San Francisco bay area. “Rather than wait until after an auto accident to find insurance is lacking, we advise everyone to review auto insurance policy and coverage limits annually.”

In 2009 to date, GJEL Accident Attorneys has seen a roughly 20 percent increase in personal injury auto accidents over the same period in 2008.

GJEL Accident Attorneys Test-Your-Auto-Insurance-Basics Quiz 1

In this first quiz from GJEL Accident Attorneys, determine what you know about auto insurance basics . Any “false” or “don’t know” answers may suggest more homework to protect drivers in your family with appropriate levels of insurance.

I review my automobile insurance policy every year with my insurance broker.
True       False      Don’t Know

My automobile policy covers all licensed family members including new teens and college-age drivers.
True       False      Don’t Know

My policy covers non-family members who borrow my car.
True       False      Don’t Know

My auto insurance policy provides for equal coverage for multiple vehicles we own.
True      False      Don’t Know

My insurance coverage limits will cover uninsured or underinsured motorists’ collisions.
True      False      Don’t Know

My automobile insurance policy includes car rental fees in the event my vehicle requires repair after an accident or if a rental is needed during holiday or for business.
True      False      Don’t Know

I did not increase my liability limits on my current auto policy to cover a new teen driver.
True      False      Don’t Know

My auto insurance covers accidents like hitting a deer, smashing the garage door or bumping into another’s parked vehicle.
True     False     Don’t Know

My bodily injury liability coverage should be 4 times my net worth.
True      False     Don’t Know

I have purchased enough gap coverage to protect me during an accident with an underinsured motorist.
True      False      Don’t Know

While the percentage of uninsured motorists is expected to rise to 16 percent in 2010, according to the Insurance Research Council,Andy Gillin expects his law firm, GJEL Accident Attorneys, to see a substantial increase in vehicular accidents involving uninsured and underinsured motorists that directly correlate to a poor economy in California

Author Photo

Andy Gillin received his Bachelor’s Degree from the University of California at Berkeley and his law degree from the University of Chicago. He is the managing partner of GJEL Accident Attorneys and has written and lectured in the field of plaintiffs’ personal injury law for numerous organizations. Since 1972 he has been helping seriously injured victims throughout northern California fight & win their personal injury cases. Andy is one of the top awarded & recognized wrongful death lawyers in northern California.