When accidents occur in Newport Beach, CA, and surrounding areas, there’s always a question of fault. Some people believe that certain types of accidents automatically assign fault to one party or another. At Murvay Insurance, we strive to deal with claims fairly and responsibly. Because of that, we want to shed some light on this myth of automatic fault.

Difference Between Fault and No-Fault States

The first thing to understand is that California isn’t a no-fault state. In a no-fault state, insurance companies typically pay out for their client’s damages, no matter who was at fault in the accident.

As an at-fault state, California insurance companies must pay damages for their client if that client bears the majority responsibility or fault for the accident. Because fault will go wholly with one party or the other rather than being split, there are some circumstances where automatic fault will typically fall.

Types of Accidents Where People Assume Automatic Fault

Some of the most common types of automatic fault situations include:

• Rear-end collisions occur because the following vehicle has a duty to follow at a safe distance and pay attention.
• Running a red light or stop sign, because this violates the law and creates accident conditions
• Driving under the influence violates the law, impairs driving ability, and creates a considerable accident probability.

Generally, if there’s negligence on behalf of a driver, then that driver will likely take on the fault for the accident.

What Happens When There’s Equal Fault

Circumstances where parties all bear an equal or nearly equal amount of fault can happen. Under those circumstances, the insurance companies for all parties will have to pay damages.

For this reason, it’s important not to assume fault if there’s any degree of doubt. If you want to know more about how fault works in Newport Beach, CA car accidents, contact Murvay Insurance today.

Car Insurance For an Accident with a Newer Driver

When a mom clings to the overhead handle as they are being driven to the doctor’s office, it’s a hint. When siblings and friends hide their faces in their hands as they are being driven to the mall, it’s a hint. Young people are curious to see how fast something goes and if it compares to the vehicles in their video games. We get it. 

Young people don’t recognize that the need for speed costs you. For instance, if you’re caught doing 140 in a 35, the judge will take away your license. Forever. If you’re exceeding the speed limit and hit someone, your insurance should be enough to cover the damages and medical costs. Murvay Insurance Newport Beach, CA wants you to know more about age and auto insurance. New drivers are out on the road every day.

Car Insurance For an Accident with a Mature Driver

On the other side of the coin is the little old grandma who drives 20 mph on the extreme right side of the road. Grandpa isn’t much better, but at least he drives the speed limit. If mature eyes or reflexes aren’t in good shape, drivers tend to drive more slowly. It is important to be insured against the unexpected. One slow lane change could mean a totaled vehicle.

About That Insurance

Insurance is about ensuring the money is there to pay for damages and medical costs if an accident happens. Young drivers don’t think about consequences; they want to have fun. More mature drivers may not be as sharp as they once were. These are a few obstacles we must overcome every day out on the road. It is important to have the right coverage when driving.

Murvay Insurance in Newport Beach, CA understands that everyone of all ages needs the proper insurance. Give us a call or drop by to learn more about it. Our team is standing by to help you find a policy for any situation.

The weather in Newport Beach, CA can be stormy regularly, so it’s essential to ensure your car is ready for them. Here are some tips from us at Murvay Insurance to help you prepare your car for a storm: 

1. Ensure your tires have plenty of treads and are correctly inflated. During a snowstorm, proper tire inflation and tread will help you drive more safely and efficiently on slippery roads. 

2. Check all of your lights and replace any burned-out bulbs. These will become especially important during low visibility conditions caused by a snowstorm. 

3. Top off all of the fluids in your car, like oil, antifreeze, windshield washer fluid, etc. This will help ensure your vehicle runs smoothly during the storm without hiccups due to cold temperatures or other weather-related problems. 

4. Make sure your battery is charged and in good condition so it won’t give you any trouble when you need it most during the storm. 

5. Stock up on emergency items like blankets, flashlights, flares, first aid kits, and other supplies that could come in handy in case of an emergency situation during the storm. 

By following these simple tips, you can rest assured that your car is ready for the coming winter storms! For more tips or to explore an auto policy to cover your vehicle, call us at Murvay Insurance today. We are proud to serve the Newport Beach, CA area and would be happy to help you find a policy that meets your needs and budget. So don’t delay! Call today!

Many questions arise when it’s time for teen drivers to begin hitting the road. Parents and guardians likely wonder which options best protect teen drivers on and off the road. Anyone in the Newport Beach, CA area can count on Murvay Insurance to provide the insight and recommendations necessary to get the ideal coverage.

Teen Driver Insurance 

There are two basic options for choosing insurance coverage for teen drivers. Parents and guardians can put their teen on their own insurance policy, or they can purchase a separate teen driver insurance policy. There are several points to consider based on individual circumstances when selecting. It’s essential to understand that insurance coverage changes are significant when teen drivers are added to a policy. This change occurs because teen drivers have a much higher risk factor for collisions and other events than adult drivers. This consideration is why many parents and guardians have a separate policy for teen drivers. However, other households may add a teen driver to an existing policy.

For more information and insight, individuals can contact one of our helpful and knowledgeable insurance agents for more details. They can sit down with each client to individually assess their situation to understand all the factors. Based on their assessment, they can recommend certain options for clients to consider. Once a decision is reached, agents can help secure the policy or make amendments to an existing policy. Additionally, they can also provide support if there is a claim.

Reach Out Today 

Residents of the Newport Beach, CA area can turn to Murvay Insurance to provide them with the customer support and insurance options they need to protect teen drivers. Call or stop by our office today to speak to one of our insurance agents and get started with coverage options that meet your specific situation.