Insurance can be complicated. It’s understandable, then, that many people don’t know exactly what kind of coverage they’re getting. However, having the right policy is important for making sure you have the coverage you deserve.
Below, you’ll learn some information that’s useful to know when choosing the right car insurance policy. Specifically, we’ll discuss why it’s useful to get more than the legally mandated amount of car insurance. We hope this helps you find an insurance policy that’s a good fit so that you can get the compensation you need in the event of an accident.
Why Should You Get More Than The Legally Mandated Minimum Amount of Car Insurance?
All drivers are required to have car insurance because it protects everyone else on the road. Driving a car would be too much of a risk if people were allowed to be on the road without insurance, since they might not be able to pay the amount they owe if they’re determined to be at fault for an accident.
California requires you to have at least $15,000 worth of coverage for injury/death to one person, and $30,000 to cover everyone in the vehicle. This is in addition to the $5,000 worth of coverage required in the event of damage done to property.
That said, when deciding how much car insurance you want, it’s useful to think of how much you’re actually going to need to spend after an accident. Are you financially prepared if you’re out of work for a month recovering? Will the compensation you receive be enough to buy a new car? And if you don’t have a new car, will you be able to buy the car that may be required for your job?
The policies that just provide the legally mandated minimum won’t provide the level of coverage you need to fiscally recover from an accident. It’s useful to speak with your insurance agent about things like comprehensive coverage, medical payments coverage, personal injury protection, and even ride-sharing coverage.
Expert Car Accident Attorneys in Los Angeles, California – Pirnia Law Group
If you’re looking for expert personal injury attorneys in Los Angeles, you’ve come to the right place. Pirnia Law Group is a team of lawyers who are ready to fight to ensure that you get the compensation you deserve.
Whether you have any additional questions about what we can do for you or you’d like to get a free consultation, please reach out to us now by calling 844-747-5294 or filling out our contact form. We’re available 24/7, because we want you to have the legal counsel you need when you need it.