Law | Chinese lawyers teach you how to buy the right car insurance, so that you can save money | Wang Zhiming, a senior Chinese car accident lawyer
Time: 10/12/2021
The law requires everyone who drives a car to have insurance. And is your insurance really right? Because sometimes, without buying the right insurance, the outrageous bills will make people bankrupt in minutes when there is a problem, it is really want to cry without tears. What to buy and what not to buy, take out your insurance policy, and Chinese lawyers will teach you hands-on.
1. Third Party Liability Insurance
Mandatory to buy. This insurance is used to cover losses due to your fault. Simply put, if you take full responsibility in a rear-end collision, this insurance is for bodily injury damages to parties who are not at fault (including your passengers). In California, the minimum liability coverage is $15,000 per person/$30,000 per accident. That means insurers only have to pay up to $30,000 in total for any one car accident and up to $15,000 per person.
2. Property Loss
Mandatory to buy. The minimum amount required in California is $5,000. If the other party's vehicle is damaged due to your fault, then this insurance will pay for the property damage caused.
3. Collision Risk
To compensate for the loss of your vehicle, even if it was your fault. If it's not your fault, you can also quickly get reimbursed from your own insurance company, which will then go after the at-fault party.
Collision insurance usually has a deduction, and a deduction of $500 is common. For example, the car accident is your fault, your vehicle damage is $1,500, and you have a $500 deduction, then your insurance company only pays $1,000, and you pay $500 yourself.
4. Comprehensive Insurance
For damages to your car due to theft, vandalism or natural disasters.
5. Medical Benefits
To pay for medical expenses after your injury, whether or not you are at fault. The amount of medical benefit coverage can be chosen by yourself, but a more common one is $5,000. But people with health insurance often don't buy it.
6. Uninsured Vehicle Personal Injury Insurance (UMBI/UIMBI)
This one is quite important to protect you from bodily injury if the at-fault party has no insurance or low insurance coverage. The law stipulates that the limit cannot exceed the limit of third-party liability insurance. For example, if the at-fault party doesn't have insurance, you can claim against your own insurance company based on that type of coverage, and your premiums won't go up. If the at-fault party's liability insurance is insufficient to pay, and your UIMBI limit is higher than the at-fault party's liability insurance, then you have the right to claim the difference from your own insurance company. For example, if your UIMBI is $25,000, the at-fault party is $15,000, and you suffer more than $15,000 in personal injury, then you can get no more than $10,000 from your insurer ($25,000- $15,000) in compensation.
7. Uninsured Vehicle Damage Benefit
When the at-fault party does not have insurance, you can claim vehicle damage from your own insurance company based on this type of insurance. Your premiums won't go up because of this. It should be noted that if you have purchased collision insurance, this type of insurance does not need to be purchased.
It is extremely important to purchase the correct and adequate insurance coverage. If you own multiple properties or drive a luxury car, be sure to purchase a high amount of full coverage. For your personal property and personal injury protection, act now.
For legal inquiries, please call (626)-608-6888 or email info@pacificlawoffice.com.
法律 | 华人律师手把手教你买对汽车保险，这样买才最省钱|王志明律师资深出庭华人车祸律师
法律规定每一位开车的人都必须要有保险。而你的保险真的买对了吗？因为有时候，没有买对保险，出问题时离谱的账单分分钟让人破产，那真的是欲哭无泪。那什么项目该买什么不该买，拿出你的保险单，华人律师手把手教你。
一． 第三方责任险
强制必须购买。该保险用来支付因你的过错而导致的损失。简单来说，如果你在一起追尾事故中承担全部责任，那这个险就是用来赔付非过错方（包括你的乘客）的人身伤害损失。在加州，最低限度的责任险是每人一万五千美金/每起事故三万美金。这意味着保险公司只需支付任何一起车祸的总额不超过30,000美元，每人不超过15,000美元。
二． 财产损失
强制必须购买。加州的最低额度要求是5,000美元。假如因你的过错导致对方车辆受损，那么这个险就会赔付造成的财产损失。
三． 碰撞险
用于赔偿你的车辆损失，即使是你的过错。如果不是你的过错，你也可以迅速从自己保险公司获得赔偿，然后你的保险公司会向过错方追偿。
碰撞险通常会有抵减数额，抵减500美元比较常见。例如车祸是你的过错，你的车辆损失是1,500美元，同时你有500元美元抵减，那么你的保险公司只赔付1,000美元，你自己承担500美元。
四． 综合险
用于赔偿你汽车因偷盗，故意毁坏或自然灾害而受到的损失。
五． 医疗赔付
用于赔付你受伤后的医疗费用，无论你是否过错方。医疗赔付险的额度可以自行选择，比较常见的是5,000美元。但有健康保险的人往往不会购买该险种。
六． 未保险车辆人身伤害险（UMBI/UIMBI)
这一项是相当重要的，用来保护你在过错方没有保险或保险额度低的情况下受到的人身伤害。法律规定该额度不能超过第三方责任险的额度。举个例子，如果过错方没有保险，你可以依据该险种向自己保险公司索赔，而你的保费不会因此上涨。如果过错方的责任险不足以赔付，且你的UIMBI额度高于过错方的责任险的话，那你有权向自己保险公司索赔差额。比如说，你的UIMBI是25,000美元，过错方是15,000美元，你受到的人身伤害超过15,000美元，那么你在获得过错方的15,000美元后还可以从自己保险公司获得不超过10,000美元（25,000美元-15,000美元）的赔偿。
七． 未保险车辆损害赔偿
当过错方没有保险的时候，你可以依据该险种向自己保险公司索赔车辆损失。 你的保费不会因此上涨。 需要注意的是，如果你已购买碰撞险的话，该险种是不需购买的。
购买正确，足够额度的保险是极为重要。 如果你有多处房产，或者开一辆豪车，那一定要购买高额度的全保保险。为了你的个人财产还有人身伤害保护，赶紧行动吧。
相关法律咨询，请致电 (626)-608-6888 或电邮info@pacificlawoffice.com。
Citation: 1. Law | Chinese lawyers teach you how to buy the right car insurance, so that you can save money | Wang Zhiming, a senior Chinese car accident lawyer
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