Los Angeles Insurance Quotes Brings Peace to Frustrating Commutes
With its countless Hollywood-themed attractions, sun-drenched beaches, world-famous eateries, ethnically traditional neighborhoods and historic theaters, Los Angeles is by no means short on places to go. However, the challenge lies within getting there. It's no secret that the city's roadways are among the most congested in the world, with the typical motorist spending an average of 93 hours each years sitting completely still in traffic jams. Of course, that's not the worst of it. Common sense will tell you a greater number of vehicles means a higher likelihood of traffic accidents, and Los Angeles doesn't disappoint when it comes to supporting this supposition. According to the L.A. Department of Transportation, there's an average of 50,317 traffic collisions within city limits every year. That breaks down to a whopping 141.3 per day. And don't fool yourself into thinking you're any safer if you work outside of the city. Statewide statistics reveal there's an average of 4,329 annual traffic-related deaths in California, with more than 290,000 injuries. Those figures represent 10 percent of all traffic-related deaths and injuries in the entire country.
Driving within the Law
In accordance with California law, every Los Angeles resident must meet the state's minimum liability insurance requirements to drive a vehicle. The minimum amounts of liability coverage are as follows: $15,000 for the injury or death of one person; $30,000 for the injury or death of more than one person; and $5,000 for damage to property. Liability insurance covers only the other driver if you're at fault in a traffic accident. The law was put in place to protect innocent motorists from financial devastation resulting from accidents caused by uninsured drivers.
Limited Protection
In theory, the minimum liability law is also meant to help the at-fault driver by saving him or her from the inevitable lawsuit that would arise from a traffic collision. However, the law doesn't prohibit the victim of an accident from suing the responsible party; it only hopes to discourage such an action by providing insurance money to take care of the bills. And as anyone who's spent any length of time in a hospital can tell you, $15,000 can easily be just a drop in the bucket when it comes to covering medical costs. For that matter, one would likely be laughed out of an auto repair shop for offering $5,000 for extensive body work. So while the mandatory liability insurance law is a good idea, purchasing more than what's required by the state is certainly a better one. Los Angeles Insurance Quotes can help you get the most for your money.
Above and Beyond the Legal Limit
And considering the odds of being involved in one of 50,317 accidents that occur every year, you might want to consider insuring yourself, too. The options that are available include: Uninsured motorist coverage, which pays for your bills if you're involved in an accident caused by someone who's not driving legally; comprehensive insurance, which covers non-accident damage caused by fire, wind, hail, flooding, explosion, vandalism and animals; collision coverage, which pays for repairs to your vehicle regardless of who's at fault; and medical insurance, which takes care of the medical bills for everyone in your vehicle at the time of an accident.
The bottom line is auto insurance does far more than just pay for medical bills and repairs; the right policy can save you and your family from financial ruin. Los Angeles Insurance Quotes can help hook you up with the package that's right for you.