I Want Cheaper Car Insurance In California
Reader’s Question:
I was in an accident where my neck and back were injured. My insurance company in California covered both the damage to my car and my personal injuries. My insurance company later realized that the other party was at fault and sought out reimbursement from that insurance company. It was explained to me that this is called subjugation, how does it work?
Alicia
Bellflower, CA
The process of subjugation refers to an insurance company seeking reimbursement from the person or entity legally responsible for an accident after the insurer has paid out money on behalf of its insured. Your insurer is “subjugated” to the rights of your policy after paying the claim and can “step into your shoes” to go after or sue the negligent party on your behalf. But not all insurers surrogate for medical bills because it could be against the other driver’s insurance. Also, it could also be against your own separate health insurance policy or any other medical insurance that would cover your treatment.
Subrogation may also be used when your insurer settles your collision claim for damage to your vehicle due to another driver’s negligence. Normally, your insurer will have you sign a subrogation release that assigns your right of recovery against the person responsible for your loss to them. Insurers may not stop settling your claim until they get paid from the person at fault. Subrogation usually happens after the original claim is settled and some insurers will include the deductible when they subrogate. You will then get your deductible back when the other driver or their insurance company pays the subrogation claim.
It is best to cooperate with your Bellflower California agent or insurance company when a subrogation claim has been made. The two insurance companies involved would have to go back in detail to the accident to verify what exactly happened and the expenses that have been incurred so far. This may take time unfortunately so you need to be patient and keep in close contact with your claims person.
Cheap Liability Car Insurance Coverage In Florida
Reader question:
Do I need to get uninsured motorist Florida car insurance coverage if I live in Tampa? I just need cheap liability coverage.
Charlie
Glad you asked, Charlie.
Uninsured motorist protection is not a required part of Florida car insurance coverage law, so really it all depends on your options and your priorities. The first thing that you need to consider, before you take in to mind any extenuating factors, is that no matter where you are, no fault state or no, there will be people driving without car insurance. Depending on what state you are in, it might not even be necessary to get extra coverage because of this, but this is still something that you should keep in mind.
First of all, in Florida they only offer one kind of uninsured motorist coverage, and that is for bodily injury. This can be a good idea to carry if you don’t have anything else that would cover the bodily injury of a victim of an accident caused by you if that victim did not carry car insurance coverage. However, it also provides protection for yourself in this area, and that is where it begins to become redundant. In Florida, you are already required to carry personal injury protection coverage, and then most people have health insurance on top of that. It is very unlikely that your health insurance coverage and your personal injury protection would run out after one accident, making it to where you need even more coverage.
One thing that you might consider when thinking about getting uninsured motorist coverage is the possibility of getting a pain and suffering benefit. This might not be possible if you do not have this type of car insurance coverage.
Cheers,
Fashun Guadarrama.
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