Los Angeles freeways: You need the right car insurance

Based on statistics derived from car accident claims, Los Angeles is considered to be one of the most dangerous cities in the U.S. with respect to auto accidents. While there are multiple factors that contribute to the high number of accidents in the L. A. area, the heavy traffic conditions on L.A.’s freeways are major contributors.

According to data from the traffic analysis site “Inrix”, Los Angeles has the some of the worst traffic in the U.S. with some of the nation’s most congested freeways — the 5, 10, and 110, and the 405 which has been designated as the “busiest interstate in any city in America”. If you live in the L.A. area and use the freeway system to commute back and forth from work to home, you’re going to want to make sure that you have the best insurance coverage possible in case you are involved in an accident.

Uninsured and underinsured coverage: what you need to know

Here’s a sobering fact — millions of California drivers are uninsured. And, many more are underinsured which means that they have insurance policies with the lowest limits of coverage allowed by law. Chances are, if you’re involved in a car accident, it may be with a driver that is either underinsured or that has no insurance at all.

So, what are your options to protect yourself from the other driver? As part of your coverage, you can carry uninsured motorist coverage (UM). If you are involved in accident with a driver who is uninsured, your insurance company will cover any of your injuries as well as those of your passengers and any damage to your vehicle.

By purchasing underinsured motorist coverage (UIM), you can also protect yourself if you’re involved in an accident with a motorist whose coverage limits are too low to pay for the damage to your car and/or any injuries to you and your passengers.

In the state of California, all insurance companies must offer you UI/UIM coverage which is important because UI and UIM benefit not only you, but your passengers as well.

Make sure your insurance broker is looking out for you

If you have questions about uninsured and underinsured motorist coverage, it makes good sense to enlist the services of an experienced independent insurance broker. Insurance brokers are experts who are trained to find the best possible coverage for you at an affordable price. Daniel Fraisse Insurance serves the Los Angeles metro area as well as the San Gabriel and San Fernando Valley.

Over the years Dan has built a reputation of leaving “no stone unturned” when it comes to his commitment to finding a policy that fits your insurance needs as well as your financial situation. Dan has formed good business relationships with many large insurance companies, and is very knowledgeable about the different types of coverage available including uninsured and underinsured motorist coverage.

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