Review liability limits, uninsured motorist coverage, underinsured motorist coverage, deductibles, medical payments, rental coverage, and exclusions.

Car insurance can rise because of repair costs, medical costs, claims trends, coverage changes, location, driving history, and market conditions.

Holiday weekends often bring heavier traffic, longer drives, fatigue, unfamiliar roads, construction, and impaired or distracted drivers.

Plan extra time, take rest breaks, avoid distractions, check the vehicle, and slow down in heavy traffic or construction zones.

Move to safety, call 911 if needed, exchange information, take photos, get witness names, and seek medical care.

Adrenaline and stress hormones mask pain right after a crash, and inflammation develops over the following days. That is why doctors recommend an evaluation even when you feel fine at the scene.

Yes. Emergency rooms must evaluate and stabilize you regardless of insurance, and many California providers treat accident victims on a lien basis — payment is addressed from your settlement later instead of upfront.

Yes. Insurance companies look closely at the timeline after a crash — a long gap between the accident and your first visit lets them argue you were not badly hurt or that your injuries came from something else. Seek care as soon as symptoms appear.