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What Your Car Insurance Policy in California Should Have

What Your Car Insurance Policy in California Should HaveOwning and maintaining a vehicle is a big responsibility. Part of that responsibility is getting car insurance for your car. While not all states require car insurance, it is helpful to have in the event you are in an accident.

If you are involved in a car accident or hit by an uninsured or underinsured driver, your car insurance can help pay the costs of any necessary repairs and medical bills. If you do not have insurance, you might have to pay all of those costs out of your own pocket.

The state of California makes car insurance a legal requirement. Knowing this, it is important for you to know what your car insurance policy should have and what it can mean for you should you end up in a car accident.

Liability Car Insurance

Under state law, you must be able to cover costs related to any damages or injuries you may cause in a car accident. Liability car insurance is an easy and common way to meet this requirement. At a minimum, your liability insurance policy must include the following:

  1. $5,000 for damage to property
  2. $15,000 for injury or death to one person
  3. $30,000 for injury or death to more than one person

Now even though liability insurance is all you legally need in California, there are other types of car insurance coverage that you can include in your policy.

Comprehensive coverage will insure you against damages to your car that are not traffic-related. This could be damage related to a theft or something like a baseball through the windshield.

Another optional coverage is collision coverage. This will insure you against damages to your vehicle that occur because of a traffic collision. In order to be covered in the event your accident happens with an underinsured or uninsured driver, you will need uninsured/underinsured motorist coverage.

Other optional coverages include rental car coverage, towing and labor coverage, and medical and funeral services coverage.

The aforementioned policy features are great to have if you own and operate a vehicle in California. However, insurance companies are notoriously difficult to deal with once you have been in an accident.

The claims adjusters that insurance companies use will make it seem like they are on your side. But at the end of the day, they are working with the insurance company and keep their interests a priority over yours.

That is why if you are ever in a car accident, you should seek the counsel of an experienced car accident lawyer.

Going the Extra Mile for Clients Across California

If you are looking for a lawyer with ample experience, then look no further than The Paris Firm. The California law firm has been helping car accident victims across the state since 1994. They will thoroughly investigate your case and make sure you get the compensation you deserve.

They will also make sure your insurance company does not take advantage of you. Furthermore, The Paris Firm also handles personal injury claims. From simple injuries to catastrophic injuries, they can help you with whatever you need.

Just take the time to fill out the online form and you can begin discussing your case with a lawyer today.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.




Our founder, attorney Eric D. Paris, has represented injured people in Southern California for more than 22 years. Prior to founding The Paris Firm, Mr. Paris worked as an insurance defense lawyer, which gave him great insight to the insurance companies evaluation of claims and their tactics to minimize your recovery for your injury matter. You will personally meet with an attorney and your case will be handled by an attorney with the assistance of our paralegals and support staff.

2 We Have A Record of
Great Results

We are proud of our track record of results. We understand what your case is truly worth, and we will not advise you to settle for less than what you deserve.

3 We Care About
Our Clients

We develop personal relationships with our clients. We will get to know you and your family. At The Paris Firm, you will never be treated as a number or a case file. We have earned the trust of our clients by treating them the way we would treat a member of our own family. We get to know our clients on a personal level which allows us to best present your side to the jury.

5 We Will Get You The Medical Attention You
Need At No Cost To You

It is extremely important to obtain the right medical care after you suffer an injury. Sometimes it’s difficult to identify and find the type of specialist you need. The Paris Firm has a large network of medical specialists who can provide you the care you need with no out-of-pocket expense.

4 We Will Go To Trial To Get You
What You Deserve

Our goal is to obtain maximum financial compensation for our clients. Sometimes that means taking your case to Trial. You do not have to settle for a law firm that always settles out of court for less than a case is truly worth. When it is in your best interest, The Paris Firm will hire the best experts and utilize all of our resources and take your case to Trial and present your matter to a jury.

6 We Use Cutting Edge

You can rest assured that your legal matter will be handled with the highest degree of professionalism and care with our state of the art technology. Our firm uses cutting edge technology with software and presentation tools which enable us to make a compelling case on your behalf at trial or in mediation.