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How Does Car Insurance Work in California?

While every driving resident of California is required to carry insurance, it might not be so clear what good this rule does for you when you’re in an accident. Many people wonder how car insurance works in California. After all, it’s a major expense, but you may not be clear on how much help it’ll be after an accident.

The Kindley Firm, APC, can guide you through your insurance policy and that of the other driver after your crash. If you’ve been in an auto accident, give our firm a call for help winning the compensation you deserve.

Car Insurance Requirements in California

Whether you drive your car every day or keep it semi-permanently parked, you are required to have some insurance coverage. This coverage is intended to protect you from a lawsuit.

You typically need coverage for bodily injury and property damage. You’ll have to meet certain minimum coverage amounts to make sure you comply with state law.

Fault Laws and Your Insurance

When you’re in an accident, insurance coverage matters. California is a “fault” state for car accidents. This means that, if another driver is responsible for your injuries, he or she will be the one covering the expenses in question—first through his or her insurance policy and then out of of pocket.

In some states, injured motorists look to their own insurance policies for compensation after an accident, but not in California. Expect to meet heavy resistance from the other driver’s insurer when you seek compensation for your injuries. If you need help, speak with a qualified car accident lawyer at our firm.

Speak with a San Diego Car Accident Lawyer

If you still have questions about your situation, that’s OK! Every case is different, and we can answer your questions. If you’re still not sure how car insurance works in California, give The Kindley Firm, APC, a call.

We can walk you through your case and what we can do for you if you’re having trouble with the insurance company. We’ll make sure you get the compensation you need. For a free consultation about your case, call 619-550-1313 or complete the online contact form below.



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