GJEL Accident Attorneys Auto Insurance Quiz 1: Test Auto Insurance Basics

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Gillin Jacobson Ellis & Larsen (GJEL Accident Attorneys) has seen an increase in auto accident cases relating to uninsured motorists. Drivers may require more auto insurance to protect against rising rates of uninsured/underinsured motorists. GJEL offers this first-in-a-series of 10-question quizzes so you can better understand auto insurance basics and needs.

Rather than wait until after an auto accident to find insurance is lacking, we advise everyone to review auto insurance policy and coverage limits annually.

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With each percentage point increase in unemployment, there is 3/4 of a percentage point increase in uninsured motorists, according to a study by the Insurance Research Council, Uninsured Motorists, 2008 Edition.

"What that implies for California drivers, are peak numbers of uninsured and underinsured motorists putting all drivers at risk for personal injury," said Andrew Gillin, managing partner of GJEL Accident Attorneys, a catastrophic injury and wrongful death law firm in the San Francisco bay area. "Rather than wait until after an auto accident to find insurance is lacking, we advise everyone to review auto insurance policy and coverage limits annually."

In 2009 to date, GJEL Accident Attorneys has seen a roughly 20 percent increase in personal injury auto accidents over the same period in 2008.

GJEL Accident Attorneys Test-Your-Auto-Insurance-Basics Quiz 1

In this first quiz from GJEL Accident Attorneys, determine what you know about auto insurance basics . Any "false" or "don't know" answers may suggest more homework to protect drivers in your family with appropriate levels of insurance.

1. I review my automobile insurance policy every year with my insurance broker.
True False     Don't Know

2. My automobile policy covers all licensed family members including new teens and college-age drivers. True    False    Don't Know

3. My policy covers non-family members who borrow my car. True False Don't Know

4. My auto insurance policy provides for equal coverage for multiple vehicles we own.
True    False    Don't Know

5. My insurance coverage limits will cover uninsured or underinsured motorists' collisions.     
True     False    Don't Know

6. My automobile insurance policy includes car rental fees in the event my vehicle requires repair after an accident or if a rental is needed during holiday or for business.
True    False    Don't Know

7. I did not increase my liability limits on my current auto policy to cover a new teen driver.
True     False    Don't Know

8. My auto insurance covers accidents like hitting a deer, smashing the garage door or bumping into another's parked vehicle.     True    False    Don't Know

9. My bodily injury liability coverage should be 4 times my net worth. True False     Don't Know

10. I have purchased enough gap coverage to protect me during an accident with an underinsured motorist. True     False    Don't Know

While the percentage of uninsured motorists is expected to rise to 16 percent in 2010, according to the Insurance Research Council, Andy Gillin expects his law firm, GJEL Accident Attorneys, to see a substantial increase in vehicular accidents involving uninsured and underinsured motorists that directly correlate to a poor economy in California.

GJEL Accident Attorneys is a San Francisco bay area law firm representing plaintiffs in catastrophic injury and wrongful death cases. Since 1972, Gillin Jacobson Ellis & Larsen has obtained recoveries in more than 99 percent of its cases.

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