What am I financially responsible for in a car accident?
There are many factors that will play a role in what you are going to be required to pay out after an auto accident has transpired in Compton, California. Some of the things you want to take into consideration include:
- Was the accident your fault?
If so, you will be held responsible for the damages you caused. California operates under at-fault insurance laws, therefore, if you are found guilty for bringing on the crash, your insurance company will need to step forward and satisfy the bill. If you don’t have enough coverage, you may be asked to pay out of pocket for the damages the other party is filing for.
- Did you break a traffic law?
If so, you will also be required to pay the cost of the ticket if one was issued by the officer who arrived on scene where the accident occurred. For instance, if you hit a vehicle from behind, the officer might blame you for riding too closely, which, if you didn’t know, is breaking the law. These tickets could run you somewhere about $234.00.
Each traffic law varies in cost so you will need to check with the police department who issued the ticket to determine how much you are going to be required to pay.
- How much is your deductible?
If you have a more affordable insurance policy, chances are you have a higher deductible. Most insurance policies that are more expensive come with a cheaper deductible while those that are cheaper often leave you having to pick up the costly deductible. In many instances, your insurer may require you to pay your deductible before they will begin providing any sort of compensation for vehicle repairs medical bills.
What are California’s state laws regarding getting my vehicle repaired?
If you were carrying adequate insurance coverage and your insurer is going to pay for some or all of the repairs that your vehicle needs, our accident lawyers in Compton, California want to be aware of a few things to ensure you are being treated fairly.
- Under California Insurance Code, “a consumer is not required to have repairs done at any insurance company recommended automobile repair shop.” If you do choose to use the repair shop recommended by your insurer, just know that your insurance company is expected to stand by the repairs if your vehicle is not fixed properly. Don’t allow your insurer to leave the inadequate repair job to fall on your shoulders.
- “State Law requires that the use of aftermarket parts must be identified on the repair invoice.”
Now, there are times where your insurer may act out of bad faith or outright mishandle your claim. If you are dealing with this or have another concern regarding an accident that occurred in Compton, CA, we can locate an accident lawyer in Compton who is available to help you.
Accidents and insurance companies are two confusing encounters and you should be provided with support and guidance when dealing with either.