Do I need liability car insurance at the time of an accident?

Coverage offered to unlisted drivers varies from policy to policy. You would have to check with the vehicle owner's insurance policy.
Nov 3, 2019 Sacramento, CA

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Coverage & Claims

Should I file a claim for $3,000 with a deductible of $1,000?

There's a couple of things to think about. With the value of damage and your deductible, the most you would save by filing a claim is 2k.
Dec 16, 2018 Sacramento, CA


Can I get car insurance with a state ID?

Yes, you can get insurance without a license. There will be a surcharge for not having a license in California.
Oct 29, 2018 Sacramento, CA

General Insurance

Customer service for AAA roadside assistance only versus AAA auto insurance?

Insurance companies are regulated at a state commissioner level and in theory, are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
Apr 8, 2018 Sacramento, California

General Insurance

Grace period auto insurance after buying an additional car

In most cases insurance companies do give you a window to transfer a new vehicle to your plan. In my experience the policy will match the same coverage for up to 14-30 days that your plan currently provides for the vehicle you are replacing.
Mar 28, 2018 Sacramento, California


I was injured after an accident. How can I get compensation for this?

Compensation is normally paid by the insurance company of the at-fault driver if you have to go to the doctor/hospital or if you have to miss work. You'll need to contact their insurer to begin the process unless you don't plan on getting medical attention for your injuries.
Nov 30, 2017 Sacramento, California

Coverage & Claims

Can I group multiple accidents into one claim?

Unfortunately, you would be filing a collision claim which would be categorized by your insurer as an at-fault accident. This will likely cause your rate to increase.
Nov 19, 2017 Sacramento, California

Car Insurance Costs

If I swerved to avoid an accident and file a claim for the damage, will my insurance go up?

You should be able to request a copy of the report from the highway patrol since they should have a record of it. As for filing a claim, that decision will be completely up to you, but you will likely be charged for an at fault accident since no other vehicle was involved.
Jan 6, 2017 Sacramento, CA

Coverage & Claims

If my car was hit by a family member, can I claim the damage with my insurance company to help them avoid a higher rate?

You could claim the damage as a hit-and-run, but that's technically not what happened so I would avoid lying to your insurance company. I would recommend getting a repair estimate first so you can factor that into your decision.
Nov 20, 2016 Sacramento, CA

General Insurance

What happens if I'm involved in an accident without insurance?

Unfortunately there really isn't much that you can do. Even if the other driver is found to be at fault, without them having insurance your vehicle is pretty unlikely to get fixed unless you pay for the repairs yourself.
Sep 29, 2016 Sacramento, CA
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