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Under California law, an insurance company is given the ability to decide what perils it covers and under what circumstances. Policies cannot legally be marketed under false pretenses, but also are not required to contain all the perils you may require coverage for. Damage caused by wind and hail is usually covered under both homeowners and renters insurance policies (though earthquake is not!). If you have questions regarding your specific insurance policy, speak with a Sacramento accident lawyer.

We are all required by law to carry automotive insurance if we choose to drive a vehicle, and that insurance is in place to cover any liabilities that may arise from our driving. Every state has a different set of minimum limits that a driver is required to carry, and these limits are imposed to ensure the monetary protection of all the other drivers on the road that you may come into contact with.

Car accidents are already a very stressful and difficult time for anyone to go through. If you were involved in an accident, suffered severe injuries, high medical bills, lost wages at work and property damage, the person at fault should be obligated to pay for it. However, imagine, if the other person who was at fault, didn’t have any insurance!

California has a mandatory insurance law, mandating everyone to have automobile insurance if they plan on driving a motorized vehicle on public roads. Unfortunately, many irresponsible motorists remain on the road without any automobile insurance.Resulting in an inability to pay for damages when being at fault of an accident. Even though the law requires it, there are those who are uninsured or underinsured and it’s important you contact a personal injury attorney in Sacramento for legal help immediately if you’ve been a victim of an underinsured motorist accident.

California has more laws to protect insurance policyholders than any other state in the country. Unfortunately, this does not necessarily stop insurance companies from doing whatever they can to limit payouts and increase profits. In order to have a decent chance of receiving the compensation to which you are entitled, it’s important to understand your rights and the procedures in dealing with an insurance company. Speak to a Sacramento personal injury lawyer regarding your specific case.

An Umbrella policy, also known as an Excess Insurance policy, operates how the name implies – it sits on top of the rest of your insurance policies like an umbrella, providing excess coverage for high liability situations.

An umbrella policy is the most cost effective and efficient way to set above standard limits for your insurance policy. The umbrella policy allows you to increase your protection across all your underlying policies with one quick and easy move, rather than adjusting each insurance policy separately. This affords you far more than just ease of adjustment, and can actually save you a lot of money too!