In Santa Rosa, California, it is required that a person sign up for car insurance once they get their vehicle. Car insurance is necessary because it acts as proof of financial responsibility in case the driver ever gets into an accident.
There are actually minimum requirements which a person’s insurance coverage needs to meet in order to be legally acceptable according to the California Insurance Code. The law requires drivers to be covered in the following amounts by their insurance:
- A minimum of $15,000 if they manage to injure someone or cause their death
- A minimum of $30,000 if they manage to injure or cause the death of more than one person
- A minimum of $5000 for any property which is damaged during the accident
It is always a good idea to have one’s car insurance papers placed in a readily available area because they will be required whenever a person gets into an accident.
If a person got into a very small collision which did not result in more than $500 worth of damage and which did not lead to any physical injuries then they will most likely not need to contact their insurance companies at all.
However, if there was some serious damage and harm caused during the accident having car insurance can really save a person from strict legal consequences. In fact a person may be subject to more fines and even having their license suspended if it turns out they were driving without insurance.
What happens if the other driver does not have insurance?
If the other driver involved in the accident does not have insurance there is no reason to fret because most insurance providers are legally required to offer something called Uninsured Motorist Coverage. This basically means that if the other driver involved in the collision does not have insurance, a person’s own insurance company will be able to cover basic costs for them. This generally includes the cost of recovering from any bodily harm they may have suffered.
Calling an accident lawyer in Santa Rosa, CA is the best way to ensure that a person will be able to get the proper amount of compensation from their insurance company or from the other driver’s insurance company. Trying to get the financial compensation on one’s own is never really a good idea because insurance policies can be very lengthy and confusing and it may lead a person to settle with less then what they were actually entitled to receive.
An accident attorney can communicate effectively with the insurance company using legal references to encourage them to give the appropriate amount of financial assistance that the driver requires. A person can get compensated for their medical bills, their vehicle damage, their loss of wages, and even for their loss of any business opportunities which may hav