As a responsible car owner in California, there are a number of different types of auto insurance coverage you can purchase. While some are not necessary, others can be quite the lifesavers.
Liability Insurance
Liability insurance protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Most states require liability insurance. Liability insurance covers medical bills, proper damage, and more. All drivers must have a specific minimum amount of liability insurance, determined by the laws of the state they are in.
PIP (Personal Injury Protection)
Personal Injury Protection (PIP) covers the cost of medical care if you or other passengers in the car at the time of an accident are injured. This is particularly helpful in case you do not have health care. Personal injury protection (PIP) can cover expenses related to injuries you sustained in a covered accident, such as:
Income continuation
Loss of services
Funeral expenses
Child-care expenses
PIP coverage is not required in California.
Collision and Comprehensive Coverage
Collision coverage deals with payment of repairs for covered accidents and should cover the value of your car in the event that it is completely destroyed – or totaled – in an accident. Incidents that come under comprehensive coverage include instances of fire, vandalism, your car being stolen or subject to disrepair due to weather.
Uninsured/Underinsured Motorist Protection
In California, all drivers are required by law to have auto insurance. Unfortunately, many drivers fail to obtain the proper insurance and for this reason uninsured/underinsured motorist protection can be quite helpful. Not all expenses can be covered by liability insurance – particularly when you have only the minimum amount of coverage – so this type of protection can turn out to be quite the blessing. Learn more about uninsured motorist protection here.
After an auto accident takes place, things can get quite complicated – particularly when you have been injured by another driver’s negligence and are filing a personal injury claim. The right injury attorney can help.
f you find yourself in need of a personal injury lawyer in the San Fernando Valley area, Barry P. Goldberg is the one to turn to. With his expertise particularly in uninsured/underinsured motorist accident cases, and his reliable and competent legal team, you are guaranteed that your case will be dealt with by personable and experienced professionals. Contact attorney Barry P. Goldberg today for a free, no obligation consultation.
