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San Jose car accident lawyerOnce you purchase your auto insurance policy, you may hardly think about it again other than to pay the bill. If, however, you are involved in a car accident, it is important to understand how your insurance works and what the policy covers.

Auto Insurance Basics

California is a “fault” state which means that, unless you have certain types of coverage, your insurance will not pay for your own injuries or property damage. You will need to file a claim with the other driver’s insurance company, presuming he or she was at fault for the accident.

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San Jose car accident lawyerAnyone who owns and operates a car or a motorcycle on California roads is required to carry insurance to cover property damage and personal injury in the event of an accident. The liability insurance a car or motorcycle owner secures must cover minimum property damage as well as personal injury. The minimum limits on the insurance are the same for motorcycles and for vehicles. The minimum insurance coverage required is as follows:

  • $15,000 for injury or death to one person;
  • $30,000 for injury or death to more than one person; and
  • $5,000 for damage to property.

Anyone purchasing insurance may purchase additional coverage beyond these minimum amounts, and that is often the smart thing to do because these minimums would not be likely to cover the medical bills or property damages in a major car accident that results in catastrophic injuries.

Uninsured and Underinsured Motorist Coverage

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auto insurance, car accidents, San Jose personal injury attorneyAfter you purchase your auto insurance, you rarely give it a second thought, other than to pay the bill. But, after you have been in a car accident, you will need to know how your insurance works and what it covers.

The Basics

California is a “fault” state. This means that unless you have a special type of coverage, your insurance will not pay for your injuries or property damage. You will need to file a claim with the other driver’s insurance company.

...
Continue reading
Janoff Law,
A Professional Corporation
1570 The Alameda, Suite 221, San Jose, CA 95126 408-286-2300
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