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Tag Archives: Car Insurance Policies

What Is UIM & UM Insurance Coverage?

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If you were seriously injured in a car accident caused by another driver who has little or no car insurance, you could be stuck without a way of getting compensation for your injuries – unless you have underinsured (UIM) coverage or uninsured (UM) coverage. These two types of insurance coverage’s allow you to get compensated from your own insurance company, up to the limits you have purchased. However, just...
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What is a Bad Faith Insurance Claim?

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As consumers, we all pay exorbitant premiums to insurance companies in good faith, expecting in a return of good faith that the insurance company will pay any claims submitted against your insurance policy. However, insurance companies are in business to make money, not to pay claims. Paying claims affects profitability. Enter “bad faith.” When you purchase insurance coverage, you enter into a contract with the insurance company. You pay...
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The Difference between an Uninsured and Underinsured Motorist Claims

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Do you know the difference between uninsured and underinsured motorist insurance claims? If you’re like the average insured, you most likely don’t know the difference. The similarities between these two claims make it confusing to keep one from the other straight. Here are the basic differences between uninsured and underinsured car insurance claims: In an uninsured motorist claim, the negligent party failed to observe the mandatory auto insurance laws,...
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What is Comprehensive Auto Insurance?

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A recent car accident on the Los Angeles free way that resulted in seven people being injured was described in this Silicon Valley Mercury news article. It illustrates the importance of having auto insurance. California law requires drivers to carry liability insurance. However, there are many different types of auto insurance available and one of the least understood is comprehensive auto insurance. Many people who visit California car accident...
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California Auto Insurance Requirements and Consequences

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In California, you are required to have a certain amount of liability insurance. The importance of liability insurance is so great that a state program exists to give low income drivers access to affordable liability coverage, as reported at SmartBrief.com.Liability insurance is necessary because it pays for damages caused by your vehicle in the event of an accident. Basic liability car insurance offers three types of coverage: $15,000 minimum...
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How Auto Insurance Works

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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...
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Uninsured Motorists on California’s Highways

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The Ventura County Star reports that tough economic conditions may be increasing the number of uninsured motorists on California’s highways. The Star cites a study done by the Insurance Research Council which has found that almost one in five California drivers is currently uninsured, and that number is expected to grow as more motorists feel the pinch of changing economic conditions. Meanwhile, State Insurance Commissioner Steve Poizner urges California...
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