Autombile /Car Accident Insurance

The liability portion of the coverage is what will pay the other driver for damages to their car or injuries sustained by them or their passengers. It is required in every state except for New Hampshire, and even there legislation is pending that will make liability insurance a requirement.

When it comes to liability insurance it is important that you know the insurance company will only pay out to the amount of coverage you have purchased. If there is ten-thousand dollars worth of damages and you only have five-thousand dollars worth of coverage, you will be held personally liable for the other five-thousand dollars.

In addition to liability coverage most drivers will also purchase collision coverage. It is not required if you own your vehicle, but if there is a lien holder on your car it is likely they will require you to purchase collision coverage as a condition to the car loan. This is the coverage that will pay for your car to be repaired after an accident.

This type of insurance policy can be found online for significantly less money than it can be from an auto insurance agency. This is especially true if you are driving a new car due to the expense of insuring a newer vehicle.

In order to give yourself the most chances to find the lowest priced policy you should request quotes from several automobile insurance companies. This is because every car insurer will offer you a different price on a policy, so the more quotes you get, the better chance you'll have in finding the cheapest coverage.

We hope that you now have an understanding of this type of general automobile insurance policy. By understanding what you are paying for you will be a far savvier motor vehicle insurance consumer.

Car accidents occur with unsettling frequency in Brea, California. If you are injured in a car crash in this city, it can be to your advantage to seek the advice of a Brea car accident lawyer who knows Brea's traffic and car accident profile.

For instance, it might be helpful to know that in 2006, 260 people were injured in Brea car collisions; that drunk drivers were responsible for 30 crash injuries; that 17 bicyclists, 17 pedestrians and 16 motorcyclists were injured in traffic accidents; and that in 2007 and 2008, one car accident caused one fatality each year.

Understanding Brea Car Accidents

Utilizing a knowledge of local accident statistics and traffic hazards, Brea car accident lawyers can more effectively evaluate a car accident. If, for instance, your child were injured in a car accident at the intersection of Poplar and Birch, it would be helpful to know that this intersection was considered dangerous for Laurel Elementary School children by several residents. It would also be advantageous to know that several safety measures were proposed to enhance the safety of this intersection. Among these were to station a crossing guard to guide children across the street and to install flashing yellow light at the intersection. If these suggestions were ignored, that fact could be used to assign a degree of fault to the city and thus support the argument for a larger settlement award made by your car accident lawyer.

Moreover, car accidents occurring on Whittier Blvd or Puente Street, two other high-risk areas for accidents could also be carefully analyzed for contributing factors. The fact that many local residents requested traffic calming measures on these streets would be used to influence a jury to grant a higher injury settlement for an accident victim seeking compensation for injuries suffered there.

Likewise, Brea car crash lawyers representing car crash victims injured on Brea Canyon Road would know, for example, that many areas along this road are poorly lit and that reflectors on the road's guard rails become un-reflective over time due to the accumulation of graffiti or dirt. A stronger case could be made for greater injury compensation if it can be shown that the city chose to ignore these problems, thereby endangering the safety of motorists.