In California auto insurance, the terms “named insured” and “insured” refer to different individuals covered by a policy. The “named insured” is the person whose name appears on the policy and is the primary individual responsible for the terms and…
In California, the state sets statutory minimums for auto insurance to ensure that drivers have basic coverage in the event of an accident. The minimum required coverage includes 15/30/5 liability insurance. This means you must carry at least $15,000 for…
In California, the limits of liability for auto insurance refer to the maximum amount your insurance company will pay for damages or injuries caused by an accident where you are at fault. The state requires drivers to carry a minimum…
In California, when you’re involved in an auto accident that results in property damage, you can file a property damage claim to recover the costs of repairing or replacing your vehicle or any other damaged property. California is a “fault”…
Vicarious liability in California refers to the legal principle where one party is held responsible for the actions or omissions of another, typically within the context of an employer-employee relationship. Under California law, an employer can be held liable for…
In California, an annulment is a legal procedure that declares a marriage or domestic partnership null and void, as if it never happened. Annulments differ from divorces because they are based on the premise that the marriage was invalid from…
In California, family pets are considered property under the law, meaning they are not treated as children and are not subject to the same custody rules in divorce cases. However, how pets are treated during a divorce can still be…
In California, insurable interest in an auto insurance policy refers to the legal requirement that the policyholder must have a financial interest in the vehicle being insured. This means that the policyholder must stand to suffer a financial loss if…
In California, a covering note or binder is a temporary agreement issued by an insurance company to provide coverage before the formal auto insurance policy is finalized and issued. A covering note serves as proof of insurance during the interim…
In California, an auto insurance policy consists of several key components, including the declarations, the jacket, and endorsements, each serving a specific purpose. The declarations page is a summary that outlines the essential details of the policy, such as the…