Do you really need collision coverage?

Do you really need collision coverage?

Owning and operating a car can be quite expensive, especially for those on a budget. When you factor in a basic amount of yearly maintenance, wildly fluctuating gasoline prices, and registration and inspection fees, you can find yourself thousands of dollars in the hole, even before you pay for state-required insurance. Adding collision coverage on top of this can seem like an unnecessary expenditure that you can do without, especially if you consider yourself an expert driver. Do you really need insurance in addition to what the state mandates, or is it just a waste of money?

Accidents do happen, even to great drivers

Ok, so you fancy yourself a great driver. You’re not the only one. Many skilled drivers get in accidents every day, especially in the Los Angeles area, where most of us get around by car. From a deer suddenly appearing in the path of your car, to a patch of oil or black ice sending you sliding off the road, it’s totally possible to get into an accident, even if you’re focused, sharp, and have quick reflexes. In the event of these types of no-fault crashes, the only way you’re going to get compensation for your car repairs is if you have collision insurance. It’s better to be safe than sorry, so everyone should get collision insurance, right?

When collision coverage doesn’t make sense

The cost of living in Southern California is high, and many working people must cut corners wherever they can. If you can’t afford collision coverage, then that’s that. If you drive an older, cheap car, it might not make sense to spend money every month that will add up to more than the actual value of your car in a relatively short amount of time. If you have other ways of getting to work and could do without your car if it was wrecked, you might also consider forgoing collision coverage. You don’t need collision insurance legally in California, but you should get it if you can afford it, and if you have a car worth protecting.

Free consultations for all accident victims in the L.A. metro region

If you’ve been hurt in an accident that wasn’t your fault, it probably won’t matter too much what kind of coverage you have. Contact one of the Los Angeles car accident lawyers at Ellis Law today, and schedule a free and confidential consultation. We’ll listen to your side of the story, construct a clear picture of the events surrounding your crash, and determine fault. If the accident was caused by, or made worse by another driver’s negligence, you have the right to seek compensation. This cash compensation can cover your car repairs, medical bills, lost wages and the cost of living while you recuperate. In the event of more serious accidents, we may be able to add on an additional figure for pain and suffering.

Top-notch legal representation with no upfront fees

Every personal injury lawyer from Ellis Law works on contingency fees. If we decide you have a case, we’ll get to work right away. We don’t make a single cent unless you agree to a fair settlement, or we win you a jury verdict. Our partners are incentivized to fight for maximum compensation in a timely manner. Though the outcome of every case is different, and no settlement amount can be guaranteed, we have a solid track record of success, and extremely high client satisfaction. In the unlikely event you should lose your case, you won’t owe us any legal fees at all. There is no risk to scheduling a consultation with our firm.

We’ve secured over $350 million for our clients

It’s an impressive number, and it’s a number that continues to grow. Founded by Army veteran and Loyola Law alumni Andrew Ellis over 25 years ago, Ellis Law has earned a reputation for treating every client, large and small, like a valued VIP. Whether we’re dealing with a complex multi-car accident that involves commercial truckers, road construction and gross negligence, or just reaching a generous settlement with another driver’s insurance company after a common fender bender, we’ll fight tirelessly for your side. Make an appointment to meet with a personal injury lawyer from Ellis Law today and take the first steps towards a brighter financial future.