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Car Insurance Myths & Misconceptions

Being involved in a car accident calls for an experienced California car accident insurance lawyer. Besides recovering from your injuries, dealing with insurance companies can be more than a little bothersome, and very confusing. Even if you have yet to be involved in an accident, information exposing how insurance companies come to a conclusion on the price of premiums could help in your search for a cheap price. Southern California car accident insurance lawyers will guide you through the twists and turns and help you avoid pitfalls, but doing your own research can turn out to be invaluable.

Common California Auto Insurance Misconceptions

"My Basic Insurance Covers Auto Theft"

This is a common misconception amongst motorists. The truth is, if you do not have comprehensive coverage, your vehicle is not protected. If you have the minimum amount of insurance coverage required by the state of California, you had better scope your parking spots.

"My Insurance Would Pay My Remaining Loan Amount If My Car Were Totaled"

Although this seems like a perfectly reasonable response from your insurance company after you have totaled your vehicle, insurance companies are seldom reasonable. If you own your own vehicle, the insurance company would not pay you the amount that you paid for it; they would pay the amount that they have decided your car is worth now. The same goes for when you are leasing a vehicle. You would end up paying out of pocket the difference between what your vehicle is worth and how much you had left to pay for it, plus your deductible. A good car accident insurance lawyer will inform you of gap insurance to take care of this problem.

"If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the charges"

Your car is your responsibility. If your friend gets into a California car accident the only thing that his or her insurance would take care of is damage that exceeds the limits of your own insurance coverage. The accident will go on your insurance records and your insurance premium could go up.

"My personal auto insurance covers my commute to work as well as my personal errands"

The answer varies. It depends on how often you are using your vehicle for work purposes. If you are constantly transporting clients to and from locations or have employees using your vehicle, there is a chance that you aren't covered.

Sifting through Nonsense

Searching for the best California auto insurance is like mining for gold. The labor is intensive, and in the end, you might end up with fool's gold because you didn't know enough about what you were looking for. There are endless myths as to what can raise your insurance premium or lower it; the best way to find out is through meticulous research, and dependable sources. The California car accident insurance lawyers at Bisnar Chase Personal Injury Attorneys are standing by to answer any questions you may have.

See also The Truth About Car Insurance.

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