General Insurance

Will I get a new car after an accident?

The answer to that really depends on your policy. If you don't have a specific part of your policy that outlines "new car replacement," you will most likely get the actual cost value of your vehicle.

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General Insurance

My uninsured vehicle was hit by a insured vehicle

Although you're required to carry at least liability insurance in California, your uninsured status shouldn't affect your ability to have a claim paid out. In terms of what you will receive for your vehicle, you will most likely be cut a check for the actual cash value of the vehicle.

General Insurance
Homeowners Insurance

What is the difference between actual cash value and replacement cost coverage?

There is a huge difference between the two valuation types when it comes to homeowners insurance. Replacement cost coverage means you would receive the amount of money it would take to replace your personal items (like a camera, for example) brand new.
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