Do You Know What Your Car Insurance Policy Covers?

Every driver in California is required to have car insurance or to otherwise demonstrate to the DMV that they are able to cover the costs of a car accident. At The Law Offices of Larry H. Parker, we have worked with many clients who turn out to not be aware of what their car insurance policy covers and what it does not. In some cases, this can cause a rude awakening.

This is why we want to go over the basics of car insurance to make sure that you know what your options are and which options you have chosen. You can contact us at 800-333-0000 to request a free legal consultation at your convenience.

California Car Insurance Requirements

California drivers are required to show financial responsibility for any vehicle they own. For most people, this means buying an auto liability insurance policy, but they can also legally establish their financial responsibility with the DMV. However, they do it, whether with a policy or through the DMV, they are further required by law to carry evidence of this financial responsibility any time they are driving. If they do not have insurance and/or evidence, then they can be fined, can have their license suspended, and might even have their vehicle impounded.

A Note About Liability Insurance

Before we go any further, we want to be sure that everyone reading this knows that if they do not have liability insurance, not only can they be fined, have their license suspended, and have their vehicle impound, but they could be unable to sue for full damages if another driver is at fault. In California, anyone who is involved in an accident without liability insurance cannot get compensation for pain and suffering – even if the other driver was at fault.

Know the Declarations Page of Your Policy

If you want to know what your policy covers, take a look at the Declarations Page. It will have a summary of your policy that can be very helpful. If it is not clear, or if you have questions about it, talk to your insurance company broker or agent. It is your policy – you are paying for it – and it is essential that you know what your coverage includes.

What to Do if You Are in a Car Accident

If you are involved in a car accident and are not sure what your policy covers or what the policy of the at-fault party covers, your best bet is to contact a personal injury attorney. It might seem as though your best option is to first call the insurance company but remember that anything you say, no matter how innocent it might seem, could be used against you.

Instead, contact The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation. We will go over your options and help you determine the best way forward. Call us now to get started.