An auto insurance policy in California is a contract between a driver and an insurance company that provides financial protection in the event of an accident, damage, or injury involving a vehicle. California law mandates that all drivers carry a…
In California, Uninsured/Underinsured Motorist (UM/UIM) coverage is an optional but highly recommended component of auto insurance policies. This coverage provides protection if the policyholder is involved in an accident where the at-fault driver either does not have insurance (uninsured) or…
In California, Medical Payments (MedPay) coverage is an optional addition to an auto insurance policy that helps cover medical expenses resulting from injuries sustained in a car accident, regardless of who is at fault. This coverage can be used to…
In California, physical damage coverage in an auto insurance policy includes both collision and comprehensive coverage, which are optional but highly recommended for drivers who want protection for their own vehicle. Collision coverage helps pay for the repairs or replacement…
In California, property damage liability coverage is a required component of auto insurance policies. This coverage helps pay for damages to another person’s property resulting from an accident in which the policyholder is at fault. Commonly, it covers the costs…
In California, bodily injury liability coverage is a mandatory component of auto insurance policies for drivers. This type of coverage helps pay for the medical expenses, lost wages, and other related costs for individuals who are injured as a result…
In California personal injury cases, third-party insurance claims refer to claims made by an injured party (the claimant) against the insurance company of the person or entity responsible for causing the injury. In the context of automobile accidents, for example,…
In California personal injury cases, first-party insurance claims refer to claims made by an individual (the policyholder) to their own insurance company for coverage related to injuries or damages they have suffered. These claims typically involve coverage provided under the…
In California automobile accidents, concurrent causation refers to a situation where multiple causes contribute to an accident or injury, and some of these causes may be covered by insurance while others may not. Under the doctrine of concurrent causation, if…
Auto insurance, commercial general liability (CGL), homeowner’s insurance, and renter’s insurance are all distinct types of insurance policies in California, each providing different types of coverage based on the needs of the insured. Auto insurance is mandatory for all drivers…