Was subject auto insurance in california to some justified criticism. However, with the cooperation of insurers, the transition to the new regime seems to have been achieved reasonably smoothly, which is not to say that problems of interpretation, attributable to the complicated way in which the plan was promulgated, have not persisted.
Apart car insurance in california from increases in benefits, the most significant change in the benefit package was the removal of the lump sums for dismemberment or loss of sight. Because, under the previous system, such benefits were reduced if disability benefits were paid (thereby making such payments generally less significant) and because tort law continued to be available, in appropriate cases, to provide non-pecuniary damages, this must have been regarded as the most readily dispensible item. The desire of the insurers to contain costs to the levels of the previous plan suggest that something had to be trimmed. Disability payments, available for up to two years in cases of total inability to perform the essential duties of one’s job, and for any longer period while totally unable to perform any job for which one is reasonably suited, were doubled. A qualified claimant was entitled to 80 percent of lost salary, up to maximum of $70 per week. Payments commenced from the date of injury. Generally an unemployed person did not qualify for disability benefits unless “engaged in occupation or employment for any six months out of the 12 months preceding the accident.” An otherwise unemployed housekeeper was, if “completely incapacitated,” entitled to receive $35 per week for not more than 12 weeks. Get your new FREE quote from Californiacarinsurancerates.net!
For death california insurance resulting from and occurring within 180 days (or two years if continuously totally disabled) of an automobile accident lumpsum benefits were available to surviving members of the deceased’s household. The amount depended on the age and status in the family of the deceased. The maximum “principal sum” payable (for the death of the head of the household — the highest income-earner) was $5,000, with an additional $1,000 payable for each survivor after the first. Lesser amounts were available to survivors upon the death of the spouse of the head of household ($2,500) and dependent children ($500 if under the age of five, $1,000 if between the ages of five and 21). Funeral expenses were payable up to $500 for any one person. The schedule also provided medical and rehabilitation benefits to a maximum of $5,000 per person to cover costs incurred within four years of the accident in excess of those covered by medical or hospital care programmes. Insured persons included not only the named insured but also passengers in the described automobile and pedestrians struck by that vehicle. The named insured and members of his or her family living in the same house were also covered when occupants of any automobile. Want to know more about California history?