Reader’s Question:

How will the cost of a home-based business car insurance here California evaluated? Will there be huge difference that having a personal car insurance?

Camden

Santa Maria Valley, CA

The price for your home-based business car insurance in California is evaluated greatly similar to regular vehicle insurance. Car insurance providers consider your mileage, the people who will drive the car and also your driving and insurance claims history. Some other important issues would be the liability limits and the deductibles you choose. The lower your coverage limit, the less your premium; the higher your deductibles, premiums would be less as well.

But you have to be certain that the liability limits are sufficient to protect both your personal and business properties. If you are at-fault in a car crash, those who are injured can take you to court as an individual or as an entrepreneur. To keep the financial risk at a minimum, car insurance experts suggest higher liability coverage. The end result is that no matter what policy you go with, commercial or personal, you will be covered just as you’re under a normal car insurance setting. The procedures for claims are identical, the legal defense assistance the insurer can give you following an auto accident would be the same, and the price disparity between personal car insurance and commercial car insurance for a home-based business would often be small.

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Reader’s Question:

I am facing serious problems now with two of my sons. The younger one, who is 19 years old, was charged with DUI after consuming alcohol and being involved in a fatal accident. I’ve been arguing with the authorities because they also want to press charges against my older son who is 24 years old for providing alcohol to his younger brother. They said that he was identified by a witness and by surveillance tapes from the liquor store. Can they actually charge my older son because of that?

Janet

Fremont, CA

Your question is very interesting.
Being arrested for DUI can be so upsetting, and being in a vehicle accident while under the influence of alcohol can be so terrifying. But it can be downright devastating knowing that you caused a fatal DUI crash without even being present at the scene.

If your older son bought alcohol for his brother, he could actually face charges related to a DUI car crash even though he was nowhere near the scene of the fatal DUI accident. There is a section in the California DUI law included that provides specific penalties for adults who provide alcohol to someone who is underage (below 21 years old). The California DUI penalties increase in severity if the minor’s drinking results in death or injury. Your older son could face a $1,000 in fines or up to one year in county jail.

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