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.
Budget Van Insurance In California
Reader’s Question:
How can I get the best deal for a budget van insurance in California ?
Carl
Los Angeles CA
To be able to get the best deal for a budget van insurance in California, you should consider buying your coverage online. According to studies, buying online saves insurance companies from the cost of paying for toll-free numbers and other expenses related to non-online transactions. The savings they make will be offered to customers who will purchase from them using their online system.
However, before you choose which company to buy for your budget van insurance in California, you should shop first in order to avoid missing on opportunities presented by other companies. You can do this by visiting brokers and as many company websites as you can. Each of these sites has its own online calculator you can use to obtain a quote for a budget van insurance in California. Choose those online calculators that will ask about your name, age, address, as well as information about your car and your driving. These online calculators will be able to give you more accurate quotes since the information you have given them are also used for the actual calculation. There are sites that only ask for information about the vehicle but the quotes are likely to be very general.
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.
17 Year Old Driver Car Insurance Question
Question: How does one go about obtaining vehicle insurance for a 17 year old driver in Dallas, without paying an arm and a leg?
Comment: I think this is a super question to inquire about your teen driver. At 17 years of age this teenage driver can not legally enter a contract since they are not considered an adult. I would assume that most teenage drivers would be considered “safe” drivers they are still not old enough to sign the insurance contract.
I would also assume that most insurance companies would require a parent and or a legal guardian to sign the contract and to be financially responsible for the vehicle and the driver’s actions.
I would start off your investigation by making a few phone calls the local insurance carriers in your area and get their opinion on this question.
I really do not see why you could not get decent coverage for your teen driver, but a better question might be are you going to be able to afford this type of coverage?
You might also want to contact the Dallas car insurance bureau or DMV to ask them if there are any restrictions for obtaining Dallas auto insurance in your area or specific situation.
How Long Will DUI Charge Stay on my Record?
Reader’s Question:
Last 2005 I got a DUI in New Jersey but I now live in California. How long will it stay on my record and will it affects my record in my new state?
Harold
Good question Harold.
Your DUI conviction will stay as part of your permanent New Jersey driving record. Since you have moved already to California you should check with the CA Department of Motor Vehicles to check if they have placed this DUI conviction or any other moving violations that were previously on your New Jersey driving record on your California driver’s history.
California legislation extends the reporting period for DUI offenses from 7 to 10 years for all public requests, and that includes insurers.
The new law states that you may not be able to qualify for a good driver discount until 10 years from the date of your violation. Up until 2007 a DUI may have been considered by an insurance carrier for premium surcharges for a period of 7 years but now it can be considered for ten years in California.
Since your DUI happened out of state you may contact the California Department of Insurance, to get information on how long an insurance company in California can rate you on this NJ DUI from 2005. You may speak to your insurance agents if you have any more concerns regarding your insurance premiums.
Goodluck!
MariCAR
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
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.
DUI In California – How Long Does it Stay On My Record?
Reader’s question:
How long does a DUI stay on your record in the state of California and is there a way that the years of penalty can be reduced?
Holly
Good question Holly.
The California Department of Motor Vehicles states that any California offense will appear on your driving record 10 years from the violation date. This is a new legislation thus extends the reporting period from seven to ten years for DUI offenses.
This new law allows the insurance companies to have access to the driving record of the motorist to properly apply the new provision of the Insurance Code. This would determine the eligibility of the the drivers discount. Motorist with a DUI violation occurring within the past 10 years are not entitled to received such discounts like Good Driver discount.
You may not be able to qualify for the good diver discount until 10 years from the date of the violation under this law. You may contact your insurance company regarding other information on your premiums.
There are no exceptions in this law. The reporting period of ten year applies to all non commercial drivers, even to those who maintain a clean driving record thereafter.You may contact the Department of motor vehicle to find out if theres any way that you can get the DUI off your record before the ten year period.
Goodluck!
MariCAR
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