In California, every automobile driver must have a liability insurance policy. Suppose you are in a car accident caused by another driver. In that case, their liability insurance policy will cover damage to your vehicle and costs like medical expenses if you were injured. However, each liability insurance policy has its limits to what it will cover for a single accident.
You may have a $50,000/$100,000 limit on your policy, which means your insurance will cover up to $50,000 for one person but no more than $100,000 for one accident. The insurance company is only obligated to pay up to that policy limit.
The minimum policy coverage that someone can buy in California is $15,000/$30,000. This can cause a problem if you have a severe injury and the policy limit does not cover all your expenses like medical bills, lost wages, or pain and suffering.
Often, this means that the person does not have many, if any, significant assets that could be collected from the defendant, and thus, receiving anything beyond the policy limits is very unlikely. You can file a claim with your insurance if you have underinsured motorist coverage to cover costs when the policy limit is too low.
Why do I need a personal injury attorney?
An Eason & Tambornini, personal injury attorney, will ensure that your best interests are protected, unlike insurance companies only looking to keep costs down. A personal injury attorney can talk to the insurance companies and advocate for you to get the compensation you deserve. They will work with you and fight for the settlement that you deserve. If you or a loved one have been in a car accident, contact one of our auto accident attorneys Sacramento, at Eason & Tambornini for a free consultation today.
