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Uninsured Motorists Accident Archive

Full Coverage: Understanding Your Auto Insurance

By Aline Miranda on September 23, 2016

Auto insurance is mandated by California, but it provides only basic financial protection if you (or another driver using your car) causes an accident that hurts someone or damages someone else’s property. Clients often are told by insurance agents or brokers that they have purchased “full coverage,” only to find out after an accident that it is not what they expected. Minimum coverage is all that is required by California, but that it is not what I would call “full coverage.” Why? Because the state-required minimum may not cover the cost of a serious accident.

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Fewer Uninsured Drivers with Expanded CLCA Coverage

By Aline Miranda on September 20, 2014

Despite state law that mandates auto insurance for all vehicles, some estimate there are more than 3 million uninsured vehicles in California. However, more low-income Californians will now have the opportunity to purchase affordable automobile insurance. Gov. Jerry Brown recently signed legislation that will expand California’s Low-Cost Automobile Insurance Program (CLCA) to include non-citizen individuals who qualify for California drivers’ licenses next year.

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Telematics: The Future of Car Insurance?

By Aline Miranda on July 14, 2014

Never heard of telematics? Just wait, you will. Telematics, or usage based insurance, is the newest trend in auto insurance. Telematics will provide your auto insurance company with real time driving information: how fast you drive, how hard you brake, how much you drive, the time of day you do most of your driving, etc. These factors have been shown to be far more predictive of insurance claims rates than the factors generally used by most car insurance companies now. that is gender, age, where you live, the type of car you drive and your credit rating.

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Uninsured and Underinsured Motorist Claims

By Aline Miranda on January 27, 2014

In California, all drivers are required to carry auto insurance regardless of whether they drive a high-end new car or one that is old and not in the best shape. Unfortunately, many drivers do not carry insurance either because they cannot afford it, have allowed it to lapse, have a driving record which prevents them from obtaining it, or fail to understand its importance. Insurance industry studies concerning auto coverage have shown that as many as one out of four drivers drive without any form of insurance or have too little coverage to handle the consequences should they be involved in a major accident. This can create a difficult situation for those who are injured by these uninsured or underinsured drivers.

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The Importance of Having Uninsured Motorist Coverage

By Aline Miranda on December 3, 2013

Every driver in the state of California is required by law to carry auto liability insurance. The minimum liability insurance for a passenger vehicle is $15,000 for injury or death of a single individual, $30,000 for injury or death of multiple individuals, and $5,000 for property damage. Comprehensive coverage, collision coverage, uninsured and underinsured motorist coverage, rental car coverage, and various other types of insurance coverage are also available.

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Understanding the Insurance Company’s Motives

By Aline Miranda on November 27, 2013

People generally buy insurance for the purpose of protecting themselves and their assets. Home insurance, renters’ insurance, car insurance, business insurance, health insurance, life insurance, and other types of insurance are all designed to give a sense of security and provide reasonable compensation in the event that the insured item is damaged or lost.

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Auto Insurance Fraud is a Felony

By Aline Miranda on November 14, 2013

Insurance fraud is aggressively prosecuted by the San Diego District Attorney’s office. This includes workers’ compensation fraud and auto insurance fraud. In 2010, nine people in San Diego were convicted of staging auto accidents with stolen vehicles in a scheme to defraud auto insurance companies of over $200,000.

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When The Insurance Company Wants a Medical Authorization

By Aline Miranda on June 7, 2013

Many insurance companies will make a low ball settlement offer and refuse to increase it without first seeing your medical records Do you have a right to refuse to turn over your medical records? The answer is both yes and no.

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Uninsured Motorist Coverage and Medical Payments Coverage: All Insurance Is Not Created Equal

By Aline Miranda on February 2, 2011

These are tough economic times and everyone is looking to cut back on expenses, including auto insurance expenses. Be careful how you cut costs on your automobile insurance costs. Saving money on your auto insurance could end up hurting you if you are involved in an accident.

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Aggressive Settlement Tactics of the Big Insurance Companies

By Aline Miranda on December 15, 2010

I work hard to ensure that my injured clients get the maximum compensation they deserve under the law as well as a sense of justice and maybe closure. That means going up against the big insurance companies which want to get away with paying as little as possible to boost their bottom lines. In short, the insurance companies have a financial incentive to belittle injury claims, but sometimes that can lead to belittling the people filing those claims too.

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