• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

Car Insurance

California drivers are required to have at least $15K/$30K/$5K in liability coverage. In English, this means your policy must cover at least $30k in bodily injury expenses, with a max per injured person of $15k, and $5k in property damage. This covers damages inflicted upon the third-party in the event you’re at fault for an accident.

You can be held liable for damages which exceed your policy. This can be particularly dangerous if you have a high paying job or lots of assets, because third parties will be more likely to take you to court. A bad wreck with inadequate coverage can easily bankrupt someone, even if he or she is financially successful.

How Much Insurance Should I have?

It all depends on your financial situation. I would recommend that the average person have at least $100k/$300k/$50k in liability coverage. This is actually pretty conservative. A bad accident can easily spill into the $1 million range. I would recommend that you try and get as close to $1 million in bodily injury liability coverage as your budget allows.

In addition to liability coverage, it is also wise to have collision coverage and comprehensive coverage. Collision coverage ensures that your insurance will pay to have your own vehicle repaired even if you’re at fault. Comprehensive coverage will cover repairs for incidents such as robbery and falling tree branches. Finally, uninsured and underinsured motorist coverage might be a good idea if you don’t have good health insurance. This ensures that your insurance will cover your medical bills and repairs if a third-party is at fault but has no insurance or insufficient insurance. Many drivers are uninsured or underinsured, so this feature could save you a lot in medical expenses if your medical insurance isn’t great.

If you’ve been in an accident and are drowning in medical bills, please give our Modesto bankruptcy call to schedule your free consultation. We’ve helped thousands of clients over the years, including in the Modesto area.

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