Start With the Basics

General Questions

Yes. There are several reasons why you should make your claim to your insurance agent or company. Personal auto policies usually have a clause that requires the insurer to report the immediate accident. This is especially important if you, your passenger, or anyone else in the vehicle has suffered an injury. Delayed claims report sometimes threaten your insurer’s right to conduct timely investigations and settle pending claims. Even if you believe that you did not cause an accident, insurance companies will need to evaluate liability claims. To comply with California’s financial responsibility law, your insurance carrier or agent must verify with the Department of Motor Vehicles that your responsibility was at the time of the accident forces. Keeps in mind the possibility of a claim. A timely report allows the company to make relevant investigative decisions.

Uninsured motorist (UM) coverage provides you with injury claims when a driver does not have liability insurance for your injury. Underinsured motorist (UIM) provides coverage if the other driver has liability coverage, but his or her coverage is less than the amount required to compensate for your loss. UM and UIM deductions aren’t mandatory in California, but an insurance company will definitely provide you with them. If you do not want UM or UIM coverage, you must sign an exemption. Auto policies typically include a broad uninsured driver definition: a driver who does not have physical injury liability insurance is a driver with a lower limit required by the financial liability law, whose insurer denies coverage or ensures that the insurer leaves the person who is hit-and-run unknowingly. When you claim a UM or UIM, your bean The role of the carrier meets the liability insurer. The claims department investigates the accident, analyzes the liability, evaluates your injuries,

Yes. Consult with an experienced person handling personal accident cases, especially if you are injured: When you pursue a claim for damages against another driver, you should present your lawyer from the preliminary investigation through settlement. If any non-resident / non-resident passenger is injured. If the other driver and their passengers hold the tension of the injury.

When a driver leaves the scene of an accident without providing his or her personal and insurance information, it’s a crime under the California Vehicle Code. The court sued the hit-and-run drivers and fined them and / or jailed them. If the accident involves injury, then the penalties are even more severe. When a hit-and-run driver injures you, you can claim a liability against your insurance company if you have uninsured motorist coverage.

When you make a request, any driver involved in an accident must provide identification and insurance information. If you neglect the information in the event of an accident, the Department of Motor Vehicles provides you with verification when sending a financial liability request form.

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