Cheap California Liability Only Auto Insurance
Reader’s Question:
I have California liability auto insurance. What sort of coverage does liability insurance has?
Isaac
San Francisco CA
If you have the California liability auto insurance you have coverages that cover others that you may cause damage or harm to in case of an accident that is your fault. Liability insurance though coverage does not provide you any coverage if your vehicle is damaged. Optional coverage of comprehensive and collision covers your car less the deductible you choose, in case of an accident regardless of whos at fault.
California liability auto insurance covers damage your vehicle does to others, damage for which you are legally responsible. If you do not have liability insurance you will need to pay the damages out of your own pocket.
Liability coverage is the foundation of a car insurance policy that is being required in most states. States differ when it comes to required minimum amount liability insurance. Typically states require
- Liability coverage of Bodily Injury (BI) and
- Property Damage (PD).
California liability auto insurance pays for any bodily injury and property damage expenses as well as your legal bills, medical bills and lost wages of the person you injured.
Cheap Vehicle Insurance Company in California
Reader’s Question:
Why did my vehicle insurance company here in California send this “adjuster” guy to my uncle’s shop? They already have a list of the repairs that he made to my car, so why are they bothering to send another guy?
Mei
San Jose, CA
A vehicle insurance company in California, and anywhere else in the U.S. for that matter, will send adjusters or appraisers to double check and evaluate the insurance claims to see if they’re reasonably priced.
Basically, adjusters step in as “arbiters” who provide the final say when it comes to estimating the cost of vehicle repairs in a shop. Their estimate is what the vehicle insurance company will bank on to prevent the contracted repair shop from overcharging the costs of repairs.
Don’t feel threatened by adjuster: it’s his or her job to estimate the cost of repairing the damage to your car, investigate liability in the accident and generally work for your benefit. You’ll have no problems as long as your uncle’s auto repair shop is playing by the rules. If you have photos or videos of your car’s damages before being repaired, present them to the adjuster for extra proof of the extent of damage.
On the flipside, it may be the adjuster who’s over-charging for repairs, so you may want to consider asking the adjuster to make a comprehensive breakdown of the expenses to check and confirm his or her estimates. Be especially careful if the adjuster is a staff adjuster who works for your vehicle insurance company.
Also, you may want to wait until the adjuster arrives before repairing your car the next time you get into an accident. Both the adjuster and your uncle can then make proper estimates together so neither of them will have problems with over or underestimating the extent of damage to your car.
Cheapest Car Insurance Online Quotes In California
Reader’s Question:
When shopping around for car insurance here in California, is going with the cheapest car insurance online quote the best choice that I could make?
Hamish
Huntington Beach, CA
In terms of shopping for car insurance, or no matter which you shop for, it would only be normal for people to get the best possible rate. However, the cheapest car insurance online quote would not always be the best choice. If everything else is equal, then you would want to go for the cheapest rate but there are some issues you have to review to help you find out if the cheapest car insurance online quote is from an insurance company that can be trusted.
If you’re shopping for the cheapest car insurance online quote in California, you have to find out the financial standing of the insurance company you’re considering having business with. In case you file a claim in the future, it’s very important that the company has available resources to cover your claim. If you cause an accident and the company is unreliable and doesn’t have any money available, you could be responsible for the damages incurred.
In getting car insurance online quote, it would also be wise to consult others regarding a car insurance company that you would like to deal with. There are independent institutions such as A.M. Best Company, Consumer Reports and other organizations that would evaluate insurance carriers on several areas including cost, coverage choices, customer service and some other things that must significant to people who think about dealing with a specific company.
Liability Only Automobile Insurance in California
Reader’s Question:
Hi there. I got in a bit of trouble last night and bumped the car into a tree. Will my automobile insurance pay for the repairs to my car? How can I ask them to pay? I have liability insurance.
George
Long Beach, CA
Hi George, I hope you are all right after your accident. First of all, you will need to look at your automobile insurance papers or call your agent in California to find out if you are covered for the damage to your car. If you bought just the minimum automobile insurance required by the state, I’m afraid you might not have the right coverage as most states only require liability insurance which will pay for damages to other people or property.
In order for your insurance company to pay for the damages to your vehicle, you must have first signed up for collision insurance. However, they will not pay for the full amount of the bill. You will still have to cough up your share of the deductibles before they will pay for their share of the bill. Before you file a claim, first evaluate whether you actually need to. If the damage is minimal, and you can afford to pay for it, it may be better to take care of the damages yourself. If you do file a claim, know that this will be placed into your record and may affect your automobile insurance rates in the future. If you still wish to proceed, I suggest you ask your agent about your automobile insurance companies’ process for filing a claim. This will most likely involve some paperwork where you will be asked for details of the accident.
Should I Raise My Car Insurance Deductibles in California?
Reader’s Question:
Would a higher car insurance deductible be more ideal in California for lowering my car insurance rate?
Eduardo
Santa Ana, CA
I have to be honest about this, Eduardo. I myself am confused about this. The authorities in car insurance say that we must get a car insurance policy that has a higher deductible in order for the insurance plan holders to enjoy much lower car insurance premiums. It sounds like a fantastic idea, doesn’t it? But here is the catch. You do not have to be a genius to realize that it does not necessarily bring down the cost of the car insurance.
Deductibles are like your slice of the cake, your exposure and participation to the cost of the damages. It is that specified amount of money that the driver has to pay before the car insurance company pays for the remainder of the cost of damages. So, if you get a car insurance premium that has a $2,000 deductible, then that means that in the event an accident happens, you will have to shell out $2,000.
Personally, I do not see it as an advantage because I think that the bottom line would still be the same. Here you are paying for a less expensive car insurance premium that has a high deductible. Come accident time, there you go handing out precious bucks that the car insurance company should have been paying for had you decided on a lower deductible. Then again, this is only my opinion, and it is still best that you ask the expert advice of car insurance agents in California.
How To File An Auto Insurance Claim In California?
Driving can be very risky in California highways. Theres always a chance that you may get involved in a traffic accident. Knowing what to do in this situation can help you save money whether its just a small fender bender or a major damage. Here are some of the tips you can do after an accident an how to file a claim from your insurance company for your convenience.
1. Make sure that you have carefully read the policy.
2. Ask any agent of contact your insurance company if there is part of the policy that you dont understand.
3. If you get involve in an accident, call the police immediately. Call the paramedics if there are people injured.
4. Get all the information you need that you can give to your insurance company.
5. Immediately notify your insurance company about the accident.
6. Ask you insurance agents regarding on how to file a claim if you dont know the procedure.
After you file a claim to your insurance company, they will contact you for any additional information such as the detailed accounts of what happened. Other witnesses will also be contacted as part of the investigation. You must also file documentation of your injuries, medical expenses etc.
The damage will be evaluated by the adjuster and will inspect the damage. The repair shop will contact the insurance company if additional damages were found during the repair process.
Become familiar with your insurance policy. Make sure you read carefully what your coverage is and that is not covered.
Goodluck!
MariCAR
What Car Insurance Coverage Options Are Available In California?
Reader’s Question:
What other car insurance coverage can I purchase that is available in the state of California that will be a benefit to me?
Mark
Thank you for asking Mark.
Other coverage that you can purchase aside for the state minimum liability coverage are:
Uninsured/Underinsured Motorist
This provides an insurance if the other driver that is at fault does not have the required minimum liability coverage or insufficient policy to cover injuries in the event of an accident. This also covers any damages on your car.
Other optional coverage that is being offered by most insurance companies are:
Medical Payments
This covers any medical bills and any similar expenses
Physical Damage
Collision coverage covers damages to your vehicle caused by collision to another vehicle or with any object regardless who is at fault. Comprehensive coverage covers any damage to your vehicle other than collision like fire, theft, vandalism, acts of nature, etc.
Endorsement/Riders
This covers special equipments, towing service fees, and rental reimbursement.
These coverage are optional. You can add this to your insurance premium to get you fully protected and saves money in the future.
Goodluck!
MariCAR
I Need Cheap Car Insurance in California!
Choosing the right California depends on you. It isn’t the responsibility of the insurance company nor an agent to determine what type of coverage you need. You may be able to have an open discussion with an agent so you can decide what is the best option for you that fits your needs. You should need to know and decide the best coverage for you before you get involved in an accident and not after the accident.
Threes a lot of options available when choosing for the right coverage so you should shop carefully and compare the prices that these insurance companies offer.
The first thing that you should ask yourself is if you need a higher limits. You have the option to consider a policy with a higher limits from the required minimum liability coverage from the state since you are personally responsible for the damages you may cause in the event of an accident. It would be worth considering an extra coverage due to increase of hospital bills and other expenses like car repairs.
The next best thing to do is to shop around. Each insurance company is allowed to calculate its own rate based on the past laws experience and expenses. Therefore the rates will differ since company’s experience are different even if they are located in the same geographical area. You may be able to contact any independent agents, company agents that represent a certain insurance company, websites and other writers for insurance company. They will be able to help you decide which company to choose and the best rate that you can get.
You should be wise on choosing the right insurance company for you. This can greatly affect the premiums that you pay for your vehicle, It is best to compare before deciding what policy to choose.
Online California Auto Insurance For My Lemon Car?
If you want to get a good online California auto insurance quote for a lemon, then you have to keep track of what is going on with the lemon, because for the time that you have the car it will be considered a higher risk because its delicate state will make it more susceptible to damage in the case of a car accident. If you want to make sure you are not overcharged in your auto insurance quote for your lemon car, then you have to be able to prove why you should have a cheaper rate.
Here’s what you should keep track of:
- All of the information that you have from when you first bought the car. This includes that big envelope containing your contract and everything you signed which was given to you by the dealership. You should also have on hand anything about the warranty for your car, as well as whatever ads you saw, if possible, that alerted you to the sell of the vehicle.
- All of your registration stuff. You’ll need to be able to show with your online auto insurance quote in which state the car was registered when it was bought by you, and where it is registered now (California).
- Any documentation you have about repairs. Your online insurance quote about this will get the information from your CLUE report, but in order to get the best deal, you have to make sure that all of the repairs were done by the dealer or manufacturer with OEM parts. You should also make sure that any statements or bills that the repair shop releases should have your version of the damages, because a lot of times the car lots will sidestep lemon laws by playing with words.
- California auto insurance law requires you to tell the dealer that your car is a lemon, so you need to send a letter. Make sure you have a copy of this, as well as the response, and any other correspondence between you and the manufacturer. Also make sure that all letters are traceable, so that you can have proof that they arrived or not.
So You Had An Auto Accident – How Should You File a Claim?
Most people will get into a auto accident at least once in their lives, and many people will get into an accident several times. Practice makes perfect for the CA auto insurance accident veterans, but for those who are on the first go around, how many will know what they need to do in the event of an accident or have any type of detailed idea about what they need to do to start their claims process? Not many, which is why many people in the U.S. end up getting far less in claims payments than they are actually entitled to. If you follow the correct procedures, though, then you will be able to get the most out of your auto insurance claim.
- First step.
Once the accident has happened, you need to come to a stop and exchange information with the other driver. If either are injured, you need to call 911. If necessary, then you might also need to call the police so that they can come and file a report. The report will include a lot of necessary information for your auto insurance claim, and you should get the information as well and, if possible, a copy of the police report so that you can use it in your claim.
The police report will have info such as the kind of car driven by each person, their names and contact information, but it will also have details about the crash itself and anything that might have contributed to it, such as the weather or the conditions of the road.
- Then…
Your insurance policy will give you a period of time in which you are able to file your insurance claim. Try to get the claim filed as soon as possible, but you absolutely most file it in the time period provided. Make sure that you wait to have someone repair your car until an adjuster comes out, looks at the car, and approves the repairs. It might still be a good idea to leave the car at a body shop (of your own choice or the one required in your auto insurance policy) so that they can’t say that any damages have occurred since the crash happened.
- Also:
This is actually going back before the insurance claim itself, but it certainly affects it. Many people every day are denied their auto insurance claims because they did not provide the auto insurance company the right information when they signed up for their policy. It is perfectly legal to do this. In order to avoid problems, you need to give the best information, and then double and triple check it.
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