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Why Is My Insurance So High


California Car Insurance Settlement Lawyers


Factors that Contribute to Insurance Rate Increase
There are various factors that contribute to your insurance rate increase, including:

  • The cost of operations.
  • The amount of drivers on the road.
  • The area where you garage your vehicle.

The primary factor is the actual cost of operating an insurance company. This will keep increasing as more insurance policies are established, more claims are submitted, and more employees are needed to maintain the workload.

Determining the amount of drivers on the road is also a factor because there are more policies along with more business for insurance provides than ever. This also creates more chances of an accident or claim situation arising.
Some factors that may lead drivers to deal with an increase in their premium rates include:

  • Insufficient level of experience with driving.
  • Operating an unsafe vehicle.
  • Not obtaining valid insurance.

The area in which you garage your vehicle can play a role in affecting your premium rates. If an individual is living in an area that is connected to vandalism or theft, their rates may potentially increase to offset any possible losses.

What Can You Do To Lower Your Insurance Rates?


A simple way to control your insurance rates is to manage your driving behavior. Driving safely and avoiding accidents can create a positive impact on your driving record, thus affecting your premiums on a long-term basis.

Another method to help manage your rates is to shop around for coverage. There are providers that offer lower rates compared to others. Do not share your coverage too often because it could be detrimental. Try to compare quotes once a year or so and keep exploring pricing and coverage options.

If you believe that you could get a good deal by switching to another provider, make sure it is a long-term commitment. Continuously changing to a new provider each time you find a better offer will not reflect well on you.

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You may also want to try carrying a higher deductible on your policy. This will help lower your rates, as well. A deductible is the amount of a claim you’re required to cover. Typically, it is deducted from claim settlements you are offered. If you can afford a higher deductible, then you will be covered for that much of any claimed loss, which in turn will reduce the costs to your insurance provider.

Considerations for Multi-Car Crashes


The most complex issue in cases involving multiple vehicles is identifying the negligent or at-fault driver. These cases tend to involve high dollar amounts, and special investigators may be assigned by the insurance companies to untangle what can become a logistical mess.

The question, therefore, in determining liability, will depend on two legal concepts called duty of care and proximate cause.

  • Duty Of Care: All drivers have a responsibility to drive safely and behave in a reasonable manner while behind the wheel. If a driver is found to violate this responsibility, he or she may be found liable for the accident.
  • Proximate Cause: Once issues regarding duty of care have been assessed, a clear connection between that breach and the accident in question needs to be established. Simply put: it must be proven that a driver’s behavior was the proximate cause of the accident.

Another important legal consideration in multi-car collisions is the issue of comparative vs. contributory negligence. The state of California abides by the rules of comparative negligence, which means that a claimant involved in an accident may get compensation against the at-fault driver even if the claimant is partly responsible.

Choosing Your Insurance Provider


There are many factors that come into play when choosing an insurance provider. These factors include:

  • Licensing. Pay attention to companies primarily licensed in your state. It’ll be convenient to rely on your state insurance department to assist you with any problems you endure.
  • Financial Solidity. It’s important to ensure that you are working with a company that has good financial structure and has been around for many years. Selecting the most appropriate one to fit your needs will help protect you financially while also giving you a peace of mind.
  • Service. Make sure you choose a company that has their services available to assist you with any questions or concerns you may have regarding what they offer to their clients. They must handle claims fairly and effectively. To get an understanding of how to make this selection, directly ask those who have previously worked with the insurance companies you are interested in to understand what it is like to use their services. Also, your state insurance department has the capability of providing you with information on whether or not the insurance company you are thinking about doing business with has had any previous complaints about the way they handle their services.
  • Comfort. Working with an insurance company requires a sense of comfort to make sure you are being represented fairly and that you trust them to help you with any problems you may be dealing with.

Available Damages


Economic Damages
Economic damages are intended to compensate a plaintiff for losses that a dollar amount can readily be attached to. Economic damages are calculated by determining the amount of out of pocket losses an aggrieved individual has or will expect to incur as a result of their injuries. A few examples of economic losses include:

  • Loss of Earning Capacity
  • Medical Bills
  • Lost Wages

Non-Economic Damages
Non-economic damages are essentially intended to cover losses that are thought of as subjective and will not necessarily cover out of pocket losses. Non-economic damages may include compensation for:

  • Emotional Distress
  • Pain And Suffering
  • Loss Of Enjoyment Of Life
  • More

Punitive Damages
The third type of damages a California court may award are known as punitive damages. Punitive damages are intended as punishment and are only awarded when a defendant’s behavior is especially harmful. Punitive damages are relatively rare and in fact were only incorporated in 5% of all verdicts.

West Coast Trial Lawyers Is Here to Help
Our personal injury attorneys will not charge you for a consultation. Our clients are represented on a contingency fee basis. If we do not win, you owe us nothing. There is no financial risk to prevent you from reaching out. Our qualified personal injury lawyers are highly-trained and have extensive experience with cases that are similar to yours. We are committed to helping you resolve your legal issues as quickly as possible while receiving the best results.

If you or someone you know has been the victim of emotional distress from an injury, reach out to our legal team 24 hours a day by calling us at (213) 927-3700 or emailing [email protected].

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