ARE YOU REALLY FULLY COVERED?

ARE YOU REALLY FULLY COVERED?

When interviewing new clients in my office after they have been involved in an auto accident, we ultimately get to the question about their insurance coverage. Invariably, their answer is “I have full coverage.”

When asked what “full coverage” means, they don’t have an answer.

Unless you have ever had to use your insurance coverage, most people don’t know what coverages they are carrying and what those limits are. It’s only when involved in an accident, that the reality of their insurance coverage becomes an issue. Many find out they do not have enough limits on the coverages to cover the expenses involved with medical treatment, loss of work, prescriptions, auto repair, etc.

Liability Coverage – Pays bodily injury to another person and property damage to another’s property as a result of an accident in which you are at fault. The minimum coverage you can carry in California is $15,000/$30,000. $15,000 is the maximum that one person involved in the accident can recover. $30,000 is maximum that all injured people in the accident can recover.

Uninsured and Underinsured Motorist Coverage (UM/UIM)

Uninsured Motorist coverage pays for your bodily injury damages that are a result of an accident with an uninsured or hit and run driver, where you are not at fault.

Underinsured Motorist Coverage pays for your bodily injury damages that are the result of a not at fault accident with an underinsured driver. A motorist is considered underinsured if their liability coverage is not enough to pay the full amount of your damages.

This coverage will be included in your policy unless you reject it. NEVER REJECT IT. More and more often, drivers are carrying low liability limits or are driving uninsured. This coverage protects you.

If you can afford it, carry higher liability limits and carry the same UM/UIM coverage as your liability. Also, never carry lower limits on this coverage than you do on your liability coverage. Nine times out of 10, my clients have lower UM/UIM coverage than liability. Your agent is not doing you any favors. In fact, I would find a new agent. Uninsured motorist coverage is relatively inexpensive and it protects YOU. Why would you want to cover a stranger with more insurance than you cover yourself?

Collision Coverage – Pays for damage to your automobile when it collides with another auto or object. Most likely it will be written with a deductible, which you will have to pay in the event your automobile needs repairs.

Comprehensive Coverage – Pays for damage to your automobile from causes such as fire, theft, vandalism, falling objects, etc. Most likely it will be written with a deductible, which you will have to pay in the event your automobile needs repairs.

Medical Payments Coverage – Pays for you and your passengers’ reasonable health care expenses for injuries caused in an automobile accident. Ask your agent how this is reimbursed because some insurance companies pay only out-of-pocket expenses, some decide what the reasonable value of the medical bill was, and some will just reimburse you for the full amount of your bills up to your limits.

(Note: In California, in order to sue another driver who is at fault for your injuries, you MUST CARRY LIABILITY INSURANCE. If you are uninsured, you can only recover your medical bills and out-of-pocket costs. In order to get reimbursed for your “pain and suffering” you must carry liability.)

Coverage issues can be complicated. There are various case scenarios, i.e., being a pedestrian in a crosswalk, hit-and-run accident, driving a borrowed auto, etc., which we can help you with. Or if your insurance company is unfairly denying coverage, please contact us. We are happy to help right the wrong.



Freeway Lanes Closed due to Motorcycle Crash
Father and his 2 children dead after suspected drunk driver crashes into them
Fatal Pedestrian-Vehicle Collision in Anaheim
1 Killed Multiple Injured After 6-Car Crash
California Bicycle Laws: What You Need to Know
A car crash in Ortega Highway kills a woman and leaves a man injured
How Bird Scooters Have Effected LA For Traut
Multi-Vehicle Accident involving a bus results in 1 dead and 7 in hospital
Head-on Highway Crash - One fatality
Pedestrian Crash results in two dead
What To Do If You Were In A Truck Accident
Newport Beach, Man struck by vehicle, Killed
Bakersfield police looking for 3 suspects in an October hit and run
Two-Vehicle crash on Santa Ana (5) freeway in Tustin results in man dead
Stop and Frisk Law in California
School Bus Driver Criminally Charged
Cyclist Dies After Collision In Stanton
Safety for Motorcyclists
Many Rollover Accidents are Preventable
2 Detained Women and 1 dead on Hyde Park Accident
Motorist flees after crashing into car repair shop, killing one
Why Do Some Lawyers Get Higher Settlements For Their Clients?
fatal Vehicle collision with pedestrian
In California, Hazing is Illegal
High-Speed Driving leads to injury and fatality in anaheim
Comedian’s Family Settles with Walmart
Hit-and-run leaves woman and dog dead
Pedestrian Fatally Struck By Amtrak Train
Teens Text While Driving a lot but Adults do it Even More
Costa Mesa Fire Chief Dies 2-Day After Being Struck By Suspected DUI
Sheriff’s Deputy Dead After Fatal Crash
Fatal DUI Car Accident Leads to Arrest
A hit-and-run driver struck a man in a wheelchair on 1st and Townsend Streets’ areaWhat To Do If You're Hit by a Drunk Driver.
Wrong-Way crash results in 2 dead and 3 injured on 110 freeway
Underinsured & Uninsured Coverage
Car Crashes into Guardrail, Killing Two
Driver Killed After Truck Lands On Top Vehicle
Collision in South La Intersection Results in death of a woman
TIPS ON DEALING WITH INSURANCE COMPANIES AFTER AN ACCIDENT
Hit-and-run Near Dodger Stadium results in 1 death
Pedestrian pronounced died in hospital after a hit-and-run
2 people die after tanker truck overturns between Ventura, Ojai
SLIP AND FALL ACCIDENTS – IT MAY NOT BE YOUR FAULT
A woman was killed while outside of a vehicle in Los Alamitos
3 People struck by Van on School Crosswalk - 8 Year old Killed
CORONAVIRUS UPDATE – OFFICE MEETINGS AND COURTHOUSE
Injured Toddler Dies After Grapevine Fog Accidents
woman, 46, pronounced dead at the scene of a hit-and-run
Collision Between Pedestrian and Vehicle Leaves One Dead in Garden Grove
Bicycle car accident fatality
05 OCT Whittier Man shot and killed by Police
26-year Old Dies in Car Accident
10 Summer Driving Tips
Unsafe fire truck driving caused crash into restaurant - Traut
20 Year Old Soldier Killed in Crash With Drunk Driver
Semi-truck and SUV collide in Southern California - at least 15 people dead
Mid-City Hotel Fire Leaves One Dead, Several Injured
2 People were killed on SoCal Highway 405
California jury awards $10M to victim’s family
I WANT TO SUE MY PRIOR ATTORNEY FOR LEGAL MALPRACTICE
Multi-car accident results in the death of Jeffrey McKee
Excessive Speed can kill you
Los Angeles Truck Accident Lawyer ~ Trucking Accident In Southern CA
Man Dies of Injuries After Huntington Beach Crash
Motorcyclist Dead After Crash In Costa Mesa
Drop in Gas Prices May Not Affect Public Transit Use
Motorcyclist Killed in Fatal Crash on Freeway
Suspected DUI Driver Collides With Disabled Car
Driver Fails to Stop at Light, Causes Crash
Driver Dead After Fiery Head-On Vehicle Freeway Collision
2 Dead After Fiery Motorcycle-Vehicle Collision in Santa Ana
Accident with state park vehicle kills a pedestrian in Newport Beach
"Wipeout" gameshow contestant dies after completing the obstacle course
Injuries result from truck rollover accident
How to Play it Safe Over the Holidays
Fatal Motorcycle Accident in Santa Ana
The Critical Components To Proving Your Slip And Fall Accident Wasn’t Your Fault
Driver runs red light, kills driver, and flees the scene
ARE YOU REALLY FULLY COVERED?
Multi-Car Crash leaves four injured
Making Construction Sites Safer Workplaces
Were you or someone you know seriously injured in a trucking accident?
Crash with Pedestrian turns fatal
Street Race Results in Wrecked Car
Motorcycle accident leaves man in critical condition
Crash on 5 Freeway kill one pedestrian in Anaheim
Crash in Southern California Results in Death of Off-Duty Police Officer
Traut Firm - Deadly Big Rig Crash - Anaheim - Commercial Truck Accident
Suspected DUI Driver Arrested After Fatal Crash In Santa Ana
Flight attendant sues employer after being fired - Traut
Law Firm Slapped With Malpractice Suit
Pedestrian killed near Irvine Valley College by Hit & Run Driver
Suspected Drunk Driver Runs Red Light and Kills Man crossing the Street in Anaheim
1 Ejected and Killed After Collision on 405 Freeway in Costa Mesa
Passengers Ejected Out Of Vehicle in Suspected DUI
What is a wrongful death lawsuit after a car accident?
Actor Dies After Being Hit By Metrolink Train
THAT CAR JUST HIT ME
Injury to a woman and her 12-year-old boy after their SUV strikes a large rock
Rollover crash on 60 freeway in boyle heights results in 2 dead
18-year-old Worker Killed in Workplace Accident - Santa Ana
Car collides into semi-truck resulting in one death and one injury - downtown LA
Grandmother Dead After Hit And Run In Orange
Multiple Vehicle Collision in Jurupa Valley - 4 Dead, 1 Injured
Pedestrian collision leaves victim dead - South L.A.

Call Now Button