Free DUI Lawyer In California

Reader’s Question:

My dad was judged to be at fault in a car accident here in San Francisco, California. Would our car insurance settle the whole amount of the damages my father needs to pay?

Guine

San Francisco, CA

If you didn’t scrimp on car insurance, you should have at least some level of financial backing from your car insurance provider in paying whatever damages and obligations (this would range from hospital and medical costs, rehabilitation expenses, economic or income loss, property damages and even payment for suffering and pain on the injured party’s end.) that needs to be paid by your father. Whether or not you will be provided the full amount depends on the coverage ceiling set by your car insurance company when you’re father signed the agreement.

There are a lot of people out there are not familiar with how their insurance would work once involved in a car accident. Some think that just because they have “insurance” that they will be covered completely. Normally, most peoples auto liability insurance coverage (which should fall greater than or equal to the minimum required coverage amount by the state of California (that is 15/30/5, $15,000 coverage for injuries per person per accident, $30,000 total limit for all injured person per accident and $5,000 for damages to property) are enough for minor car accidents and injuries. But if you’re father is obligated to pay full in a major car accident than you would want to get in touch with your insurance provider there in Sacramento. If you’re father got an umbrella policy than this should be quite enough to cover him even if it is a major car accident he caused.

Reader’s Question:

My cousin was convicted for DUI here in Camarillo, California a year ago and he had to file for an SR22. What is this so-called SR22 and what does this cover? Does filing an SR22 have any effect on financing a new car?

Frankie

Camarillo, CA

Your cousin is required to get SR22 because of his DUI conviction in Camarillo, California a year ago. SR22 should be filed by the auto insurance provider and this states that an auto liability insurance is in effect for a certain person. Every state has variety of the SR22 forms and they also have different requirements. The filing of an SR22 insurance should not have any direct effect in obtaining financing on a new car. Financing is not related to the requirement of financial responsibility laws of a state.

Normally, an SR22 would have an extra $15 to $25 filing fee. Your cousin would have to purchase coverage levels that mandated by the financial responsibility laws of California. He could see an increase cost over what he is used to be paying. The reason behind that is because he is purchasing additional coverage than what he previously had.