You must have the minimum coverage to drive legally, but is that enough insurance to cover you if you have a severe accident? Probably not, given the high cost of health care and vehicle repair. Every time you get into a vehicle, you risk a severe accident. Auto accident Castillo & Associates will discuss how additional insurance is an investment that mitigates that risk.
A negligence claim after a car accident may be complex, and you shouldn’t face these challenges alone. Get the legal support of Inland Empire car accident attorney Domingo Castillo and his team at Castillo & Associates, who will fight for justice and accountability. He worked in the insurance claims industry for more than 30 years before representing accident victims turned into satisfied clients. If you’re in this situation, call a Castillo & Associates car crash experts & auto accident attorneys at 800-497-9774 today.
The state’s Department of Motor Vehicles says that you must have evidence of insurance in your vehicle and provide it if asked by law enforcement, if you’re involved in an accident, or if you are renewing the vehicle’s registration.
Motor vehicle liability insurance
A cash deposit with the DMV of $35,000
A certificate from the that you’re self-insured
A $35,000 surety bond from a company licensed to do business in the state
$30,000 for injury/death to one person
$60,000 for injury/death to more than one person
$15,000 for property damage
This much liability coverage is the least you must buy to drive your vehicle legally in California. If you can afford it, you should spend more for additional coverage.
Optional coverage you should seriously consider purchasing is Uninsured Motorist Coverage and Underinsured Motorist Coverage (UM/UIM). They can be critical to getting through an accident with someone who’s uninsured or doesn’t have enough coverage for your losses. This is a must for all drivers to protect themselves in case the other party doesn’t have enough insurance to cover your losses.
Insurance makes personal injury cases, like those involving car accidents, possible. The average person causing a vehicle accident may not have enough assets to cover the harm you suffer. They can try to shift their assets to others or attempt to avoid paying a judgment through bankruptcy. You may have a strong case showing the other driver is at fault, but if they lack the resources to pay a judgment, your case won’t do you much good.
Despite the state’s legal requirements, someone without insurance might cause your accident. They may make an initial partial payment and be issued proof of insurance. They may then stop paying and lose coverage but continue to drive. If you’re the victim of a hit-and-run accident and the other driver isn’t found, you can’t file a claim with their insurance carrier because you don’t know who they are.
Someone responsible for your crash may just have the legal minimum coverage. Depending on your injuries and damage to your vehicle, this may not be enough to cover your losses. This is especially true if your car is worth a lot of money or your severe injury requires extensive treatment and physical or occupational therapy. If your injury keeps you out of work for an extended time, your lost wages may not be fully covered.
UN/UIM covers these situations. If the other driver has no insurance or left the accident scene, you would make a claim with your carrier. If they have insurance, but their limit isn’t high enough to cover your losses, the claim with your carrier may make up the difference.
We’ve had many cases where people seeking our help or who became clients would be in much better shape had they purchased UM/UIM coverage. We may not take a case if there’s no insurance to pay compensation. An insurance company may pay our client the limit on the policy, but that may be insufficient, and the driver lacks the resources to make our client whole, so our client is stuck. We don’t want that to happen to you. For more information, call us for a quick consultation on this important matter.
If you’re injured in a vehicle accident, having the right insurance may be critical to fully recovering and getting back to your life. That includes UM/UIM coverage.
After your accident, act quickly and contact Castillo & Associates’ Inland Empire auto accident lawyers. After we’re retained, we will thoroughly investigate your case, gather substantial evidence, and protect your right to full monetary compensation. We handle all automobile accidents from Los Angeles to the Inland Empire to the beautiful Coachella Valley.
Auto accident lawyers and experts at Castillo & Associates have more than twenty five years of legal experience, and we can take on the most challenging and complex auto accident cases. Call us at 800-497-9774 or complete our online contact form today to speak with an experienced Inland Empire auto accident lawyer. We will not charge anything or any upfront fees unless we win against the insurance company. Our fees are fair and reasonable. Call us today for a free consultation.
Castillo & Associates is a Workers’ Compensation & personal injury law firm with five locations throughout Southern California: Riverside, Indio, CA, Pomona, CA, San Diego, CA & Imperial Valley. Our team of expert attorneys has a proven record of success, impressive results for very challenging cases, and we've recovered nearly $300 Million dollars in client compensation.Workers' Compensation & Personal Injury LawyersHave you been injured in an accident at work, or suffered an injury in an incident like a car, truck or motorcycle accident? Our skilled attorneys at Castillo & Associates are here to help you and your family recover the maximum compensation available... View full business profile here: Castillo & Associates
