Drivers in Los Angeles: do you have enough coverage?

Drivers in Los Angeles: do you have enough coverage?

Los Angeles drivers have to contend with the fact that their city is ranked first in the United States and tenth in the world for cities with the worst traffic. And, whenever there are a large number of vehicles sharing the road, car accidents are a constant risk. If you live in the L.A. area and are involved in a collision through no fault of your own, you may feel encouraged by the knowledge that all California drivers must produce proof of auto insurance when registering their car with the Department of Motor Vehicles. Would it surprise you to know that the roads are filled with uninsured drivers?

Despite laws to the contrary, the national average for people driving without automobile insurance is 12.6%, and that number increases to an estimated 15% or nearly one in seven in the state of California. So what can you do to protect yourself in the event that you’re involved in an accident with a motorist who does not have insurance?

Underinsured and uninsured coverage: protect yourself from the other car

Insurance broker, Daniel Fraisse, has been serving the Los Angeles area for over 30 years. He became a broker because he was interested in seeing his clients get the best coverage at an affordable price rather than steering them in the direction of one particular company. His years in the field have given him the unique perspective of being familiar with the pros and cons of all major carriers as well as the fine points of the policies they offer.

Dan encourages all of his clients to carry uninsured motorist insurance to protect themselves in the event that they’re hit by a driver who doesn’t have insurance. This refers to a portion of your policy that states that your insurer will pay for damages regardless of who is at fault. It also means that you will be covered in the case of the other party being an underinsured motorist, which means that the damages incurred in the accident exceed the amount of insurance they carry.

Does your insurance agent have your best interests in mind?

Dan’s goal is to make sure all of his clients get the insurance they need at a price that they can afford. He does this by determining the type/amount of coverage the client needs and then “shopping around” to all of the carriers in order to get the best deal. With decades of experience in the field, he has a reputation for excellence.

Visit the Fraisse Insurance website to read some of the glowing customer reviews that Dan has received over the years, and call or click today to find out how to get the best insurance plan at the right price for you.