Many people in California don’t have full car insurance coverage and don’t even realize it. You might pay a premium every month, but that doesn’t mean that you’re covered in every situation. It might be time to review your policy to see how much your company actually covers.
What are some myths about car insurance?
Most people assume that their insurance covers theft, vandalism, weather damage and anything else that could damage your car besides a MVA. In fact, standard insurance usually doesn’t cover anything but car accident damage. You’ll need to pay for comprehensive insurance if you want your insurance company to cover theft, fire damage and other issues.
You might also assume that your car insurance policy is attached to your identity. If your friend drives your car and gets into an accident, their insurance is liable–not yours. Many people don’t realize that their car insurance policy is actually attached to their vehicle. If someone else causes an accident, you’ll still be liable because you have ownership over the vehicle. For this reason, you might not want to let just anyone drive your car.
Additionally, regular car insurance usually doesn’t cover business use. This doesn’t necessarily apply to your regular business communte. However, if you’re self-employed and your vehicle is one of your business assets, you’ll have to get business vehicle insurance along with your personal insurance. Otherwise, your insurance company might not cover you for business-related damages.
When you get into a car accident, it’s a good time to review your insurance policy and figure out what the other driver is carrying. A car accident attorney could help you through the challenges of the insurance system.
Can anyone file a car accident lawsuit?
If you were injured in a car accident, your first thought might be to call your insurance company. However, if you didn’t cause the accident, the other driver’s insurance company might pay for your damages. An attorney could help you get in touch with the other driver and see what kind of insurance they carry. If they don’t have insurance, you’ll have to start looking at other options.