Understanding Insurance and How It Plays a Role in Accident Cases

There are certain requirements that all California drivers must meet in order to operate their vehicle without being cited. Insurance is a must and it serves as protection for you if you get injured in an accident and provides benefits to individuals who you may have injured in a crash.
DMV.org highlights that you can provide proof of financial responsibility for damages by carrying liability insurance.
The state also requires that anyone who moves into the city of San Diego along with any other city in the state of California provide this proof to ensure they aren’t driving around unprotected and putting other drivers at risk of not receiving the compensation they deserve for an accident they may cause.
What is liability insurance and how can it help me if I get into an accident?
This type of coverage will help pay for damage to others’ property and injuries sustained by other motorists. So, if you crossed through a stop sign or ran a red light which led you to hit another vehicle, your liability insurance may compensate the other driver for the pain and damage incurred.
If you live in San Diego, CA Geico highlights that you must have the following amount of liability coverage under your active policy:
Bodily Injury Coverage:

  • $15,000 per person
  • $30,000 per accident minimum

Property Damage 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 minimum

Whether you decide to carry higher limits is up to you, however, these are the minimum requirements.
What to Do If You Get Involved in an Accident with an Uninsured Driver?
If you become injured in an accident or sustain vehicular damage and the driver doesn’t carry adequate insurance coverage, you may need to look into hiring an accident attorney in San Diego, CA.  Although it is illegal and frowned upon, drivers still operate their vehicles without the required insurance coverage.
Because there are drivers who aren’t following the state laws, you might want to look into increasing your uninsured motorist coverage. This protects you in the event a driver doesn’t have insurance protection and can’t pay for your injuries. However, although you may not be able to collect compensation through their insurer seeing they don’t have one, you may be able to file suit against the negligent individual.
USAttorneys.com helps accident victims on a daily basis find and hire legal counsel. Trying to collect compensation from a driver who either doesn’t have adequate coverage or none at all is going to be a challenge and without legal input, you might struggle trying to make any advancement with collecting your money.
Therefore, give us a call today if you have become harmed in an auto accident or any other type that has led you to suffer from injuries. We will find you the perfect accident attorney in San Diego, California to guide and advise you through the claims or lawsuit process.

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