Nelson C Automobile Accidents Law Blog

Friends,  You are driving along, minding your own business and someone crashes into you. Most commonly they rear end your car or they run a red light. Your immediate reaction is "What the ..." You are confused, maybe angry, maybe in shock. So now that you are in this wonderful state of mind, how are you supposed to calm yourself and do all the  right things in the next few minutes? Well here are... Read More

COLLISION COVERAGE is  where  your insurance company pays for the repair of you car regardless of how it gets damaged (i.e. your drunk cousin runs the car into the lake). This type of coverage is almost always required when you finance your car (i.e you have to make monthly payments for a year or two or three). In most cases, if your car gets wrecked, you still  have to make  your monthly car payments. If you have COLLISION COVERAGE, your insurance company... Read More

YES! YES! YES! Uninsured motorist coverage  and underinsured motorist coverage come together; i.e. they are not two separate "extras" that are  offered by your auto  insurance carrier. Underinsured motorist coverage is you buying insurance for the guy who does not have insurance when some day in  the future he hits you. So this  means you can go up against  your own insurance carrier and get... Read More

The law in California is that every owner of a vehicle is  required to have $15/30k in "liability" insurance so if the driver causes injury or damage, his or  her  insurance company will pay up to $15,000 per person up to a maximum of $30,000). No other form of insurance is required.  Last week (see HOW MUCH IS ENOUGH AUTO INSURANCE?) I explained why it was my recommendation that $2 million dollars is... Read More

The law in California is that every driver must have a  minimum of $15/30 coverage ($15,000 per claim,  $30,000 maximum). This is fine if you don't have any assets or a job or job potential. In other words, even the most minor accident can cause you to be liable for more then this $15,000 per person limit (and for more than the $30,000 limit too!). So if you have a  job, or a  house, or might inherit something someday (because if someone gets a judgment... Read More