Am I properly insured?

January 8, 2026

Admin

One of the most important things for a driver or vehicle owner to do, especially in California, is to make sure you are properly insured. There is a common misconception that car insurance is “one size fits all” and if you have “full coverage” you are totally protected and have nothing to worry about. This is not correct. Unfortunately, it is also one of those things you don’t think about until AFTER something bad happens. Insurance is essential to protect you and your family’s assets.

If you’re at fault in an accident that is covered by your policy, and other people (or property) are injured or damaged, liability coverage helps protect you from the cost of these damages. However, if you are involved in an accident and the other party incurs monetary damages that exceed your policy limits, you may be held personally responsible to pay for these damages. This may force you and your family into economic turmoil. You may be forced to sell your home, car, income property, or valuables.

With proper coverage, you can guard the valuable assets you’ve worked hard to collect (such as your home, retirement funds, stock or bond investments, etc.). Without proper coverage, those assets could be lost. In cases of accidents involving these factors, it is best to have an experienced personal injury law firm like Cohn & Swartzon LLP working with you to protect your legal rights and assets.