Tag Archives: Car Insurance

What Is UIM & UM Insurance Coverage?

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...
Read More

Information About Recent Bad Faith Insurance Cases in California

When we purchase insurance polices, we are buying faith in the company that wrote and issued the policy. Even though the chances of needing this insurance to pay a claim are remote, we send them money anyway so that we are somewhat protected if something should happen to our car, our house, our health or another important facet of our lives. However, when insurance companies fail to honor the...
Read More

California Proposition 213 Precludes Recovery for Uninsured Motorists

The effects of uninsured drivers on insurance rates for drivers obeying mandatory liability insurance laws and the consequences of uninsured drivers causing auto accidents motivated California voters to protect themselves in 1996. Responding to strong public opinion about the dangers and liabilities of uninsured drivers, California lawmakers passed Proposition 213, and it became effective January 1, 1997. This piece of legislation removes the rights of uninsured motorists to bring...
Read More

The Hard Facts About Uninsured Drivers in California

Despite the fact that mandatory liability insurance laws were passed many years ago and the penalties for not having insurance are steep and well publicized, there are still many drivers on California streets and highways who do not have insurance. This disregard for the law puts law-abiding drivers at risk and makes their liability insurance more expensive than it has to be. The hard facts about uninsured drivers in...
Read More

The Difference between an Uninsured and Underinsured Motorist Claims

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,...
Read More

What is Comprehensive Auto Insurance?

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...
Read More

California Auto Insurance Requirements and Consequences

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...
Read More

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...
Read More

Uninsured Motorists on California’s Highways

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...
Read More