Maison Law helps car accident victims through the claims process in California by answering questions they have. Most people know that car insurance is legally required in California, but there’s a lot of different policies out there. Understanding the different policies and what’s really needed takes experience, and our team can help you. Contact us today for a free consultation.
Do You Have to Have Collision Insurance in California?
There’s actually a lot that’s included in most car insurance coverage. The main coverage involves “liability” insurance for when there’s an accident, which covers damage to other vehicles
But, there’s another policy that’s usually offered called “collision insurance.” This is optional coverage in California–so you don’t have to have it. However, it can certainly be helpful when your car is damaged. Here’s how it usually works:
- Coverage – Collision insurance helps pay for repairs or replacement if your car is damaged in an accident involving another vehicle or if you hit an object, regardless of who is at fault.
- Deductibles – You choose a deductible amount (e.g., $500 or $1,000). This is what you pay out of your own pocket (before your insurance kicks in.) Higher deductibles can lower your monthly costs but also increases your out-of-pocket costs if you need to use it.
- Not waiting for fault determination – California is an “at-fault” state for car accidents. This means that if another driver is responsible for an accident, you get damages from their However, collision insurance can make sure that your car repairs are covered quickly, without waiting for fault determination or the other person’s insurance.
- Leased vehicles – If you lease or finance your car, collision insurance is often required by lenders to protect their investment.
Given the sheer number of cars on the road in California, a collision is seemingly inevitable. This is the main reason that the state requires car insurance, but having supplements like collision insurance is a great way to protect yourself further. That said, it’s often the steps you take after the accident that protects any claim you’ll eventually make.
What Can You Do to Protect Your Car Accident Claim?
You don’t just automatically get financial support from an insurance company after you make a claim. To that end, it’s important to take specific actions that support your case and show that your injuries and damages are real. Here are key steps to help strengthen and protect your claim after a car accident:
- Call 911 – Check for injuries and call 911 immediately. EMTs will give you medical attention at the scene, and will make sure you get further care at a hospital if your injuries are more serious. Also make sure that 911 sends local police to document the accident scene and then manage it, preventing additional accidents or collisions.
- Gather evidence – If it’s safe, take photos or videos of the accident scene, vehicle damage, road conditions, and any injuries. This will be extremely compelling evidence for your claim.
- Swap information – Collect names, contact details, and insurance information from all parties involved, including details about any rental vehicles and the rental company. Also, make sure to get the contact information of any witnesses.
- Be cautious – When speaking to the police or insurance companies, watch what you say. Don’t admit fault and stick to the facts of what happened. The less you say, the less there is for an insurance company to use against you to minimize your claim.
Following these steps can help protect your claim and provide a solid foundation for you. Remember, taking care of your health and safety is the most important thing. After that, you can start thinking about other options you have.
Do You Have Other Claims Options After a Car Accident?
Filing a claim with your own insurance is usually the first thing you do insurance wise after a car accident. But, depending on the circumstances–namely how badly you’re hurt or how damaged your car is–you have other options. The law offers ways to seek recovery for damages, and here are your main options:
- Insurance claim – This is an out-of-court process that’s typically faster and less formal. However, the other person’s insurance company controls the outcome and decides how much they’ll pay, which might not always meet your needs.
- Personal injury lawsuit – This formal legal option involves taking your case to court. While it requires more time and effort, it can lead to higher damages, as a judge or jury makes the decision rather than an insurance company.
The types of damages you may claim vary based on the circumstances of the accident and who is at-fault. Under California law, you can potentially recover things like:
- Medical expenses
- Car repair or replacement costs
- Lost wages or future earnings
- Pain and suffering
- Emotional distress
- Reduced quality of life
- Wrongful death expenses (if applicable)
Filing an injury claim is important for your physical, mental, and financial recovery. In California, you have two years to file a personal injury claim after a car accident. If you miss this deadline, you won’t be able to get any damages–no matter how strong your claim is.
Get Help From Maison Law After a Car Accident in California
Car accidents can be unexpected, but when they happen, it leaves you facing a lot of questions. If this happens, you have options. At Maison Law, our California car accident lawyers are here to protect your rights by:
- Explaining your rights and legal options.
- Helping collect key evidence.
- Negotiating with insurance companies.
- Taking your case to court if needed.
- Simplifying the process for you.
Don’t wait–contact us today for a free consultation.
