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How Auto Insurance Works

For an example of how auto insurance is not supposed to work, please refer to a story printed by the Sacramento Business Journal. Two Northern California residents associated with the sovereign citizen’s movement were convicted by federal investigators of operating a fraudulent insurance scheme along with other charges.

The pair operated a bogus insurance company that did not comply with California or United States insurance laws. To make matters worse, the pair paid out insurance claims based on their interpretation of social and religious values. For example, the fraudulent insurance company refused to pay for pain and suffering caused by injury car accidents because pain and suffering were part of a divine plan.

Auto insurance does not work according to these illegal principles. Legitimate auto insurance gives you a mandated standard of coverage based on the type of insurance policy you purchase for your vehicle. In California, you must have a certain amount of liability coverage that is meant to cover a basic minimum of bodily injury and property damage caused by your vehicle.

Beyond basic liability, various types of California auto insurance cover specific types of damage arising from a car accident:

  • Collision: Pays for damage to your vehicle resulting from impact with another object.
  • Medical Payments Coverage: Pays the medical expenses of persons in your vehicle regardless of who was at fault.
  • Uninsured Motorist Coverage: Pays for damages resulting from a collision with a motorist who does not have liability insurance.
  • Underinsured Motorist Endorsement: Pays for damages exceeding another motorist’s liability coverage.

If you or a loved one has been injured in an auto accident, please contact the Law Offices of Samer Habbas to discuss your situation with an experienced car accident lawyer.