What Do I Do If I Caused the Accident?
When you have a car crash and you are at fault, you absolutely have to call a lawyer. While your insurance company is technically going to represent your interests, the insurance company will always be looking for ways to avoid paying out on the accident. Unless you are a lawyer, don’t try to master the kinds of legal maneuvers that lawyers and insurance companies can make to manipulate a case.
But I thought I had full coverage?
“Full coverage” isn’t an insurance term. It’s a term consumers use, but it doesn’t have any defined meaning inside the insurance industry. Every insurance policy is made up of dozens of options and line items. Very few people tell their insurance agent to activate every option and extend coverages to the max. Those kinds of “full coverage” insurance policies are very expensive.
But I have liability coverage, right?
If you have insurance, you probably have liability coverage. California requires you to carry a minimum of insurance in case the accident is your fault. Unfortunately, that minimum is far below the actual cost of most car accidents. If you only have the minimum liability coverage, you are probably going to spend some of your own hard-earned cash to settle the case.