May 24 by GJEL Staff

How does auto-medical payments insurance work?

When you are involved in an accident, the most concerning part is whether or not you have suffered any injuries, and if so, what the outcome of those injuries will be. In fact, most people agree that as long as everyone is okay, things like property damage to a car hardly matter.

Read More
May 24 by GJEL Staff

How much auto insurance do you need in California?

When an accident occurs in California, whether an automobile accident or an accident such as a slip and fall on someone else’s property, the way that injuries are almost always paid for is through liability insurance. Because California is an at-fault state, the insurance company of the person whose negligence caused the accident and related injuries is responsible for paying for the injured party’s damages.

Read More
May 24 by GJEL Staff

What if I was in an accident and don’t have insurance?

All drivers in the state of California are required to have car insurance. Liability insurance pays for injuries that you cause to others when you cause a crash, and other types of insurance, such as medical payments coverage, collision coverage, and uninsured/underinsured motorist coverage help to pay for injuries or damages that you sustain in a crash, sometimes regardless of fault. Insurance is very important – if you don’t have insurance and you cause an accident, you could be held personally liable for hundreds of thousands of dollars worth of damages to others, and if you are injured in an accident, there may be no way to recover compensation for your economic and non-economic losses.

Read More
May 24 by GJEL Staff

What if I don’t feel the insurance company is making a fair offer on my car?

When you are involved in a crash in California, you will either turn to your own insurance company, or the insurance company of the other driver, in order to seek compensation for the damage to your vehicle. If the other driver was at fault – their insurance is responsible for paying; if you were at fault – you can file a claim through your own insurance company’s collision coverage policy (assuming you carry this coverage type). In some cases, you may have to file an uninsured motorist claim to recover compensation.

Read More
May 24 by GJEL Staff

If I make an uninsured motorist claim, will my insurance rates go up?

Despite the requirement that all drivers in the state of California have liability insurance or show proof of financial responsibility, many people in the state do not carry insurance for various reason. In fact, a lack of insurance is so common that one source suggests that 4.1 million California drivers are uninsured. The fact that there are some many people driving around without proper insurance coverage is one of the primary reasons that carrying uninsured motorist coverage is a very wise idea.

Read More