Car Accident Insurance: A Bill of Liability

Car accident often leaves the victims with an almost empty pocket, and it becomes even more catastrophic when it starts to inflict immeasurable “internal sufferings”. No one knows how the victims are trying to recover both financially and psychologically; contrariwise, the only certain about the case is their hope to be justly compensated.



Albeit there is no exactitude on their claim, there is still a precise solution that can lighten their financial burden. Specifically, there is an insurance for liability covered by the state law in California; it provides the following minimum coverage:

Physical Injury or Death – drivers who have driving license can avail the minimum of $15,000 in physical injury for a victim of an individual accident to be used for the compensation of the injury or wrongful death claim.
Personal Injury – if an accident has multiple victims, the minimum coverage for injury and death claims is $30,000.
Damage to Property – the damaged vehicle may also be compensated with the minimum insurance coverage of $5,000.
Meanwhile, in the case of an uninsured and under insured motorists, there is a separate provision in the law that may be applied on the case. The coverage is usually optional, thus the amount of the coverage cannot be simply stated. It has, nevertheless, been estimated that at least twenty-five percent of drivers in California are uninsured, thus when an accident occurs and an uninsured driver is involved, it can hardly be settled. However, commonly, when that case occurs the victims are entitled to the Uninsured Motorist insurance with an aggregate of $30,000 for every person who is injured, and $60,000 in the case of multiple injury.

Worth of noting that the right for uninsured coverage can only be waived through a written waiver, but this stultifying act is never done by a sane victim. In instance that one is victimized by an uninsured driver, or the driver escaped and cannot be identified anymore, the said coverage may cover the common types of damages:

Expenses in Medication or Rehabilitation – it is commonly assessed through the official receipts of expenses and medical certificates issued by the concerned hospital. Hence, it is advised that a victim should keep a record of his expenses so he would have something to present when the circumstance so requires.
Lost Salary – when a victim is under treatment, he has no choice but to file a leave of absence to his company, and therefore, it implies a lost of wage on his part. In this case, he may be granted with the said insurance coverage.
Lost of Future Income – this case may occur when the victim becomes disabled after the accident, or eventually died. The victim himself or his family may be given financial assistance through the coverage of insurance.
Psychological or Emotional Suffering – the victim may have this contention when he has lost his loved one, or the significant part of his life because of disability.Thus, the said insurance is also intended to help him easily recover from the trauma.
It is, additionally, noteworthy that in order for the car accident victim to know totally his right for the insurance coverage, and compensation from the offender, he should have a well-experienced car accident lawyer to guide him in the course of litigation and trial. CALL US, and we’ll get what you deserve.