Reader’s Question:

Since I have never gotten into an accident, I’d like to know if I need to inform my auto insurance company in case I encounter one. Am I obligated by law here in California to report any accident to my auto insurance company?

Aditya

San Francisco, CA

Although car insurance providers demand that they would like to know even the least accident you are involved with, you are not obligated by law in California to tell them about this accident. If it is obvious that the deductible that you agreed to pay is higher than the cost of the repairs on your vehicle, it would be better to pay the expenses by yourself and not report any claim to your car insurance provider. Keep in mind that all of your claims, even so if the damage would be less than your deductible, it will be on your insurance history. However, although the absence of an accident report to your insurance provider will not make you a criminal, majority of auto insurance policies state that the insurance provider has no responsibility to give coverage if you fail to report the accident quickly.

It would be reasonable not to file a claim if the repair expenses are less than your deductible. What they always advise to pick a higher deductible will be applied to this instance. You can keep the money that you save for having cheaper auto insurance premiums or you can even deposit it into a bank account. In case of an auto accident, you are financially ready to repair the damage even if the charge will be a little higher than your deductible.

, , , , , , , , , , , , , , , , , , , , ,

Reader’s Question:

My car has been insured for so many years now and that I asked the car insurance company for a lower cost, they declined. How can you advice me to get an affordable car insurance here in California these days?

Jo

Daly City, CA

These days, there are car insurances In Washington online that offers rates online, you can shop around these different car insurance websites. By getting a Car Insurance quotes online you can save more money not because they offer cheaper car insurance online but because it will save you time, which you don’t have to cancel for an appointment or anything.

Usually Car insurance online provides you common sense and guides. If we follow these guides, we might as well be one of the luckiest people in the world to get an affordable Car Insurance. The first thing you should do is to send your information to the website you have entered and there you can see at least five quotes for you from different car insurance companies. Even if you have gotten a quote from a company you don’t want, the quotes they give you is important in helping you get a good quote from a car insurance company you would choose to provide you a policy. After that go to a website that will help you get at least four or five agents that would willingly talk to you over the phone in which you can discuss on how to make your car insurance rate lower.

, , , , , , , , , , , , , , , , , , , , , ,

A drunk driving conviction isn’t something you can come out of easily, which is why it needs to be taken seriously, and part of that taking it seriously includes hiring a California DUI lawyer. Even if you think you can handle your case by yourself to save some money, CA DUI law is actually very complicated, and depending on several different aspects in your case everything could change. Here are some ways a California DUI lawyer could lend you a hand.

  • A lawyer can organize everything you need and take care of filling out all of your paperwork and filing it with the right authorities. They can keep your schedule on time and make sure you have court on the right date’s, keep track of your fees, and so on.
  • A lawyer can help you understand the situation you have landed yourself in. They can walk you through DUI law and explain how it relates to your particular circumstances. They can also help you get the consequences which you may face if they are unsuccessful.
  • A lawyer can be your representation in front of the judge. They know the ins and outs of the court system and DUI law from their experience, and will know the best angle to argue your case from.
, , , , , , , , , , , , , ,

The cost of DUI in California is enough to give you a heart attack. After you have forked over the money for your bail, your attorney fees, your car insurance premiums, your fines, your fees for reinstating your license, your court charges; after you have possibly lost your job or in any case lost a certain amount of time at work while you were in court or in jail; the cost comes out to around $20,000 for the typical person. Of course, this can be higher or lower depending on the severity of your case, your sentence, your job, and the state where you live in.

One of the things about the cost of DUI in California which you can control is the insurance and the attorney. The most important thing to do if you want to save money on these is for you to shop around. Ask several CA attorneys for quotes on their services and compare them, while comparing the quality of the attorney as well.

You can compare rates for DUI car insurance as well, and you can also drive less, get discounts, cut coverage, raise your deductibles, among many other things you can do to save some money.

, , , , , , , , , , , , , , , , , ,