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…

In California, family auto insurance policies typically cover the primary driver of a vehicle as well as their family members living in the same household. These policies are designed to provide coverage for injuries, damages, or losses arising from accidents…

In California, ostensible authority (also known as apparent authority) refers to a situation where a third party reasonably believes that an agent has the power to act on behalf of a principal, based on the principal’s conduct, representations, or failure…

In California, actual authority refers to the power granted to an agent by a principal, either expressly or implicitly, to act on the principal’s behalf in specific matters. Express authority occurs when the principal directly communicates the scope of the…

In California, an agent’s authority to act on behalf of a principal is limited by both the scope of the authority granted and any restrictions placed by the principal. The authority can be either express (clearly outlined by the principal)…