According to ‘US News’, Los Angeles is one of the most congested cities in America for traffic, and insurance data reveals that Los Angeles has one of the highest auto accident rates in the country. Considering the fact that teen drivers fall into high statistics for having car accidents, having your teenage son or daughter driving in LA County is enough to give any parent a heart attack, but when you get the best Los Angeles car insurance policy for teen drivers, you can sleep easy at night. But how can you tell if you are getting a great Los Angeles car insurance policy that will protect your most important cargo (your child), while giving you the best value? This article is intended to help.
Get a Los Angeles Can Insurance Policy that Gives Your Teen Driver Medical Protection
Unfortunately, we live in a world where we need to prepare for the worst case scenarios. In a car accident this would be death, followed by a catastrophic injury. In the devastating event you lose your child due to the negligence of another driver, you will need to work with a Los Angeles wrongful death attorney to get full compensation for your pain and suffering. This attorney can also help you and your child in the event of a catastrophic injury such as head trauma, dismemberment, lacerations, damage to the eyes, broken bones, or a number of other major injuries that can occur in an automobile collision.
As for the car insurance policy, make sure you get the maximum coverage for your teen driver, and given that teen car accidents are at a higher rate compared to more experienced drivers, it’s ideal to make sure your policy will cover the other driver in the event your teen is at fault. The last thing you need is to be sued by a lawyer and lose a massive amount of money while worrying about the welfare of your child.
Make Sure Your Car Insurance Policy has a Deductible that Makes Sense
The higher the deductible, the lower the monthly payments. However, if you need to pay $1000 towards getting the car fixed, will you be able to do so without there being any kind of a negative impact on your lifestyle. For example, most middle class families would have to make a sacrifice to pull $1000 out towards car repair bills, and some wouldn’t be able to come up with the money on the spot. This is why a $500 deductible is the most frequently purchased auto policy in the country, as most people value the lower deductible and are willing to pay slightly higher monthly payments. Just make sure that in fact, the monthly rates are slightly higher, as the ultimate cost must justify the convenience. Also, if you work with a personal injury lawyer and the other driver was responsible, you won’t have to go through your policy; your attorney will help you get your car fixed through the other person’s policy.