Why you should get uninsured / underinsured motorist insurance coverage

December 20, 2017 | 9:15 am


Do you have enough auto insurance coverage to protect you or a loved one in the case of an accident? That’s one of the most important questions you should consider before getting behind the wheel.

At the same time, you should consider the following:

  • Do you know what California’s minimum for auto insurance coverage?
  • Do you have uninsured or underinsured motorist insurance coverage?
  • And did you know that the California minimum — which is $15,000/$30,000 coverage — will cover an ambulance ride and little else?

To dive deeper into these questions, Chain | Cohn | Stiles, with the help of attorney and senior partner Matt Clark, has recorded a short video on the topic of auto insurance coverage.

Below, Clark answers the big question, “Why should I get uninsured / underinsured motorist insurance coverage?” In short, obtaining this coverage will help protect you and your family in the case of an motor vehicle accident.

Learn more by watching the video on chainlaw.com, or read more below. And if you have other questions related to an injury or accident, visit Chain | Cohn | Stiles’ Frequently Asked Questions page.

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By California law, you’re required to purchase at minimum a $15,000/$30,000 coverage. So what exactly does that mean?

If you’re in an accident and it’s your fault, your insurance will pay up so much to those involved in that accident. That small coverage satisfies the coverage for auto insurance. People are always surprised to learn, after learning more about the law, that California requires so little insurance because that $15,000 will cover an ambulance ride to the hospital and little else.

So how do you protect yourself when there are people driving around with this limited coverage, or none at all? You can purchase uninsured / underinsured motorist insurance coverage.

How do these coverage work? You have to purchase this as part of your policy; however, insurance companies will not give you higher coverage than your auto insurance coverage. For example, if you have $100,000 in coverage, you can purchase up to 100,000 in uninsured / underinsured motorist insurance. But a lot of companies won’t tell you this. You typically have to sign a waiver to drop down your limits. Be very careful when you purchase auto insurance, and be sure it matches your liability limits. Don’t let the insurance companies sell you something less.

Once you have the coverage, if you’re in an accident and that person is at fault, uninsured / underinsured motorist insurance coverage will come in and pay. It covers you, but also blood relatives in your household and other passengers. For example, if your son is a passenger in his friend’s car, and they are involved in an accident, your uninsured / underinsured motorist insurance coverage will cover your son. Also, if you’re hit by a vehicle while walking in a parking lot, or hit by a vehicle while riding a bicycle, your uninsured / underinsured motorist insurance coverage will cover you.

If you have a $100,000 policy and the other driver at fault has only a $15,000 policy, you can collect that $15,000 and another $80,000 from your own policy for a total of $100,000, if your claim is worth that much. So this covers you if the driver at fault has little or no insurance.

This is the one of the most important coverages to protect you and your family. Far too often, people come to Chain | Cohn | Stiles with horrible injuries, and the driver at fault has little or no insurance, while they have limited coverage as well. Our sometimes attorneys have the sad task of telling people there is not much our lawyers can do to help because of limited or no insurance coverage. It’s not fair or just, but it’s reality.

This is a complicated issue. We advise you if you believe you have an injury or accident claim, call Chain | Cohn | Stiles. Meet with the lawyers and staff to learn the important steps to take.

And contact your insurance agent to learn more about uninsured / underinsured motorist insurance coverage options available to you.

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If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

What cities in America have the worst drivers, and where does Bakersfield rank?

July 19, 2017 | 9:11 am


Where are the worst drivers in America?

The answer, unfortunately, appears to be in California, where a recent survey found five cities in the state listed in the top 10 cities with the worst drivers. Bakersfield ranked No. 10.

QuoteWizard, an auto insurance comparison company, analyzed 2016 statistics from the 75 most populous metro areas in the United States and calculated incident averages that included accidents, speeding tickets, DUIs, and traffic citations, like running a red light and using a cellphone while driving.

No. 1 on the list was Sacramento, while Riverside (No. 3), San Diego (No. 5) and Los Angeles (No. 6) rounded out the California cities in the top 10 cities with the worst drivers.

In December, QuoteWizard ranked the worst drivers by state, and determined California to be No. 2, behind Utah. California was No. 7 for accidents, No. 9 for speeding, No. 5 for citations, and No. 2 for DUIs.

This matters for all drivers, according to insurance experts, because the saturation of bad drivers on roadways has the ability to affect how much you pay for car insurance each month. Living in one of the worst driving cities can see your insurance rates go up, while living in one of the best driving cities can help you save money on your auto insurance.

A spokesperson for QuoteWizard stated that Southern California has a high percentage of DUI arrests, and that could very well be because of the state’s law enforcement’s strong stance against drunk driving.

Chain | Cohn | Stiles has been a long-time advocate for safe driving and for sharing the road — that goes for other drivers, pedestrians, motorcyclists and bicyclists alike.

The law firm for years has been deeply involved with Mothers Against Drunk Driving Kern County, as well as other safety groups including Bike Bakersfield. The law firm also regularly publishes safety tips on a variety of issues on this blog, Blogging for Justice.

For this article, Chain | Cohn | Stiles provides a few driving tips below to help you eliminate distracted driving, reduce traffic violations, and keep Kern County roadways as safe as possible:

  • Keep your cell phone on silent, and put in a place where you won’t be able to access it while driving.
  • Be aware of your surroundings and what other drivers around you are doing.
  • If you’re too tired to drive, find a place to stop so you can get rest before driving again.
  • If you need to eat and drink, make sure that you pull over to the side of the road.
  • Make sure that loose items in your car are secured so that they don’t startle you if they fall.
  • Never drive a vehicle if you’re under the influence of alcohol. Make sure that you have a driver who has not consumed alcohol, or use a service like Lyft or Uber who will be able to take you back to your home safely.

— By Michael Earnest for Chain | Cohn | Stiles

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If you or someone you know is injured in a crash due to the fault of another driver, please call the lawyers at Chain | Cohn | Stiles at (661) 323-4000 for a free consultation on your case, or visit chainlaw.com.

Chain | Cohn | Stiles attorneys to host auto, home insurance workshop for KSFCU members

July 8, 2015 | 10:01 am


You may not think of the deductibles and liability limits on your insurance policies as part of your financial strategy. But they could make a difference in your overall financial picture, according to Kern Schools Federal Credit Union. Consider them “expenses in waiting” — potential costs that you should be prepared to face.

And it can be difficult to navigate the through the overwhelming number of insurance choices available. Chain | Cohn | Stiles and Kern Schools Federal Credit Union are partnering to help you decide.

A complimentary workshop for Kern Schools Federal Credit Union members will be held from 6 to 7:30 p.m. on Thursday, July 16, at Kern Schools’ Administrative Offices, 11500 Bolthouse Drive, off Buena Vista Road, one mile south of White Lane.

As part of the workshop — titled “Auto and Home Insurance: How to protect you and your family” — Chain | Cohn | Stiles attorney Matt Clark will help credit union members these tough questions:

  • How much insurance should you have?
  • How much should you pay?
  • Is your family fully protected?

The attorneys will focus on several auto and home insurance topics including uninsured and underinsured motorist insurance, umbrella policies, what liability means, first- and third-party insurance and much more.

As an example, the attorneys at Chain | Cohn | Stiles represent many people have been involved in auto accidents. And many times, he receives calls from people who have been injured by someone who didn’t have any insurance at the time of the accident.

Due to the accident, the injured client has had to miss work and has medical bills to pay.

“What do you do to protect yourself?” Clark said recently on a Bakersfield radio show. “When you buy insurance, one of the cheapest things you can buy is uninsured motorist coverage. You want to have limits that can cover you in case someone hits you.”

Clark recommends drivers purchase a $100,000 over $300,000 auto insurance policy at a minimum to protect yourself. The policy allows you to collect from your insurance company to recoup your damages that exceed the responsible party’s limits. It’s not expensive to get, Clark says, and can protect you and your family in the case of an accident while walking, running, or riding a bike. You don’t have to be behind the wheel to take advantage of the policies.

All attendees of the workshop will receive a voucher for a free notary and legal consultation from Chain | Cohn | Stiles. Additionally, the personal injury and workers’ compensation* law firm will provide special goodies to attendees.

To register for the workshop, visit the Kern Schools Federal Credit Union webpage here, and fill out the simple form.

And for more information on Chain | Cohn | Stiles, or to contact the attorneys about your case, call 661-323-4000, or visit the website chainlaw.com.