What is the average cost for a severe injury in a collision in California?

The state also loses in terms of environmental costs, vehicle repairs, lost workplace productivity, legal costs, and insurance costs. Minor accidents might lead to approximately $3000 in medical costs plus property damage and lost wages, but more severe crashes can lead to up to half a million dollars in medical costs.

How does car insurance work when driving someone else’s car?

Generally speaking, auto insurance follows the car instead of the driver. Follows the car, meaning: if you lend your friend your car and your friend gets into a collision, your insurance would cover it, and if your friend lends you their car and you get into a collision, your friend’s insurance would cover it.

Does insurance follow the car or the driver in California?

Car insurance usually follows the car in California. The types of car insurance that follow the car in California are bodily injury liability, personal injury liability, collision, and comprehensive. You’re required to carry bodily injury liability and property damage liability in California.

What job do your car’s lights do?

Lights are significant because they allow you to see your surroundings, give others a way to see you, and give other drivers indications of your future actions. Cars are required to have certain lighting fixtures, and these generally have luminosity regulations.

What is a space cushion?

A space cushion is a buffer around your vehicle that you maintain to allow room to maneuver, if necessary. Know what is in your space cushion, scan frequently and maintain awareness of other vehicles.

Can my son drive my car if he is not insured in California?

The answer to whether insurance follows the car or the driver isn’t going to be universally the same for every driver. As long as a driver has the vehicle owner’s permission to operate the vehicle, the owner’s policy will provide coverage no matter who the driver is.

Can my son drive my car if he doesn’t live with me?

Your child likely won’t be able to be on your auto policy any longer because he or she doesn’t live in your household. … If you’re the parent who isn’t listing the child on your car insurance, your child can still drive your car and be covered by your insurance. It works just as if you had a friend borrow your car.

Can I let a friend borrow my car?

Although you should check your individual policy, most of the time you can let someone drive your car and still have coverage. As long as you give the person permission, and they only drive the car occasionally, there shouldn’t be an issue. Accidents, however, are unpredictable and can happen anytime.

What happens if I let someone borrow my car and they crash?

If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.

Do all drivers in a household have to be insured?

In general, anyone living in your household should be listed on your policy. If one (or both) of your parents lives with you and has a driver’s licence, they should be added to your coverage. However, if they have a car and policy, it’s unlikely to affect your premium (or theirs) as everyone has insurance.