The Hidden Importance of Liability Insurance Coverage: Do Not Decline Coverage Until You Read This

Times are difficult for many people right now. At The Law Offices of Larry H. Parker, we understand that money is tight and it can be tempting to reduce the amount of insurance you are carrying. However, it is essential that you have liability insurance on your car, motorcycle, or another vehicle. Why? Because if you do not, and you are in an accident, you cannot collect pain and suffering damages – even if the accident is not your fault.

Keep reading to learn more about this unfortunate reality. If you have already been injured in a car accident or motorcycle accident, contact us at 800-333-0000 for a free legal consultation.

The Way Law Looks at Pain and Suffering Damages

In California, the law is clear: if you do not have liability insurance on your car or motorcycle, and you are involved in a car accident, you are not eligible to receive pain and suffering damages. This is true whether you are at fault or someone else is at fault. No matter what the damages are, no matter what the specifics of the case are, you will not be eligible to recover pain and suffering damages.

You Do Not Need to Maximize Your Liability Insurance

While you are welcome to maximize your liability insurance if you have the financial means and believe that it makes sense in your situation, we are not suggesting that everyone is able to do that. Instead, we are suggesting that you get at least minimum liability insurance. This can help assure that you are eligible to recover pain and suffering damages if you are in an accident. This is an essential consideration you must keep in mind to protect yourself and your family.

You Might Still Have a Case Even if You Do Not Carry Liability Insurance

If you have already been in an accident in which you did not have liability insurance, do not assume that you are out of options. Though you might not be eligible for pain and suffering damages, you could still be eligible to recover compensation for damages related to property damage, lost wages, and other economic losses.

The best way to find out about your best options is to contact The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation. We can listen to the basics of your case, consider the evidence, and provide an opinion about your case. Call now to get quick answers.