When selecting an auto insurance policy, it is often tempting to go for the most affordable option available. Many take to the streets in a fairly new car with bare-bones insurance that’s easy on their wallet in the beginning, but extremely expensive in the long run. Having insufficient auto insurance can mean the difference between a simple claim process and a devastating injury with not enough money to cover it.
Choosing the right policy begins with going beyond the state’s legal minimum insurance coverage, which in the state of California is as follows:
- Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
- Property Damage Liability Coverage: $5,000 minimum
- Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
- Uninsured Motorist Property Damage Coverage: $3,500
Being the minimum, these are calculated at just that – minimum. In the event of a car accident, this coverage may not be enough to cover the full medical expenses and repairs needed. By choosing the right amount of insurance coverage, one could ensure a higher chance of having better compensation in the event of an accident.
Medical expenses often go far beyond the minimum a policy and with poor insurance coverage, it may not even cover the most basic kinds of injuries.
In the event a person is injured in an accident with a poorly insured or underinsured person, if the injured person has more than the minimum coverage, having more than the minimum uninsured/underinsured motorist coverage could make up for the other person’s lack of insurance.
Being injured in a car accident can be physically and financially taxing. Even in the event that all parties are well insured or not insured at all, people have rights. If you or a loved one has been injured in a car accident, contact The Paris Firm today to schedule your case consultation. Call (909) 325-6185 or contact online.