Property Damage, Personal Injury Or Loss Of Life: Fill & Download for Free

Tort:Tort: “a wrongful act or an infringement of a right (other than under contract) leading to civil legal liability.” Standard dictionary definition. Google “define: tort.”A tort, in common law jurisdictions, is a civil wrong[1] [other than a contract breach] that unfairly causes someone else to suffer loss or harm resulting in legal liability for the person who commits the tortious act. [Tort - Wikipedia]Personal Injury:Personal injury is a legal term for an injury to the body, mind or emotions, as opposed to an injury to property.[1]  In Anglo-American jurisdictions the term is most commonly used to refer to a type of tort lawsuit alleging that the plaintiff's injury has been caused by the negligence of another, but also arises in defamation torts. Different jurisdictions describe the damages (or, the things for which the injured person may be compensated) in different ways, but damages typically include the injured person's medical bills, pain and suffering, and diminished quality of life. Personal Injury, Wikipedia.Personal injury cases are a subset of all Tort cases.

You will never be able to sell it. If you are ever found to be at fault in an auto accident you may be found negligent for knowingly owning and operating an unsafe vehicle on public roads, especially if there is other property damage, personal injury, or loss of life.Unless this is a farm only or hunting only vehicle, I would strongly recommend you not do it.Research the reasons for salvaged titles. All of them are bad.

As a new lawyer at a personal injury firm, I was shocked to see how many people have horrible auto insurance coverage! It is really important to understand your auto insurance policy and make sure you are adequately covered, especially if you have significant assets (like a house). You want to make sure you and your passengers are covered in case of a catastrophic accident where someone is injured. Nobody wants their life ruined because they are hurt or hurt someone in a car accident and aren’t covered.I can only speak for California law. Also, it is a bit complicated so make sure you talk to your insurance carrier.It is the law that all drivers have to have liability insurance (to cover the property damage and physical damage they may cause to others). However, the minimum requirement for property damage is $5,000 in California! This is shockingly low!That means that if a person (Bob) hits a Maserati and causes 40k in damage to the car (and it is Bob’s fault), Bob’s insurance will only pay 5,000 to fix the Maserati (assuming Bob has the minimum liability insurance amount). Now imagine Bob damages 5 cars! The limit is still only 5,000 dollars! So…. the other car owners better hope they have their own collision coverage that will take care of the damage.More importantly is the case of bodily injury. In CA, the law requires minimum liability coverage of $15,000 per person and $30,000 per accident. Also, in CA a lot of people break the law and don’t have insurance at all! This freaks me out because you don’t even have to be that hurt to spend 15k in medical bills. Now imagine if you lose a leg or become paralyzed? Scary I know, but it happens.So, Imagine Bob has minimum coverage. If Bob gets in an accident with Joe, Bob is at fault, and Joe breaks his back, then Bob’s insurance has to pay. But, what if Joe’s medical bills and other costs are $100,000? Bob’s insurance only will pay $15,000.This is a common situation, believe it or not. In this situation, Joe will look to his own insurance for payment of the remaining $85,000. BUT IMPORTANTLY, the only way Joe’s insurance will pay is if Joe has “Uninsured/Underinsured Motorist Coverage.” Otherwise, Joe’s insurance will tell him too bad, sucks for you. (Joe may be able to get medical help through his health insurance if he has it, but he won’t recover for his pain and suffering or other costs.)Uninsured/underinsured bodily injury insurance covers medical expenses, pain and suffering, loss of income and funeral costs for you and all passengers in your car. Yes, ALL THE PASSENGERS IN YOUR CAR! Imagine getting in an accident with your children in the back seat. You want them covered.Lot’s of people have very little or no “Uninsured/Underinsured Motorist Coverage.” They think that because they have great collision coverage, it covers them if they get hurt. They don’t realize they are only protecting people, and themselves, if THEY ARE AT FAULT for the accident. They aren’t protecting themselves from other drivers who are at fault. Say you are hit in an intersection because a driver runs a red light. Well, you better hope that driver has good coverage.Bottom Line: always match your “Uninsured/Underinsured Motorist Coverage” to your liability limit. And, if you have a lot of assets, make it high. Because if another person is hurt in your car, they can get a judgement against you!Also, what happens if you get hit while crossing the street by a car driven by an uninsured/underinsured driver? Well, you are covered only up to the limit of YOUR “Uninsured/Underinsured Motorist Coverage.” You aren’t even in a car, but your car insurance is what is protecting you. If you want to recover for your medical bills and pain and suffering, you have to have “Uninsured/Underinsured Motorist Coverage.” So check your policy today.*This is not intended to be legal advice. It is important to consult your insurance broker regarding your insurance coverage and policy.