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We focus on the following cases:

Defective Medical Products

Defective Medical Products

Personal Injuries

Dangerous Prescription Drugs

Class Actions

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Are Boats Required to Have Insurance in California?

  California law does not require boaters to insure their boats. Despite California’s policy on boater’s insurance, it is wise to get coverage to minimize risks to your personal assets. Boating insurance is like car or home insurance; it covers

Am I liable if another driver has an accident in my car? 


When another driver has an accident in your car, you become liable- or responsible- for their actions through vicarious liability. Vicarious liability, also known as imputed liability, holds an individual responsible for harm or damage caused by another individual in either a negligence lawsuit or criminal prosecution. According to California Vehicle Code section 17150, “Every owner of a motor vehicle is liable and responsible for death or injury to person or property resulting from a negligent or wrongful act or omission in the operation of the motor vehicle, in the business of the owner or otherwise, by any person using or operating the same with the permission, express or implied, of the owner.” In other words, victims may sue you for damages caused by another person driving your car.

Many states that attach responsibility to owners for another driver’s actions limit the owner’s responsibility. California Vehicle Code section 17151(a) states, “The liability of an owner, bailee of an owner…is limited to the amount of fifteen thousand dollars ($15,000) for the death of or injury to one person in any one accident, and subject to the limit as to one person, is limited to the amount of thirty thousand dollars ($30,000) for the death of or injury to more than one person in any one accident and is limited to the amount of five thousand dollars ($5,000) for damage to property of others in any one accident.” However, these limits are inapplicable if you did not use sound judgment in lending your car to the other driver. For example, if you provided your car to an unlicensed or uninsured driver, or an irresponsible driver (drunken driver, distracted driver, etc.). If you were aware of a defect in your car and still allowed someone else drive it, you are possibly negligent. For instance, if you let someone drive your car with bald tires (i.e. tread on your tires are dangerously low and unsafe), and they lost control, and injured or killed someone, you could be held liable.

Car insurance follows the car and not the driver. Depending on your car insurance, the insurance company may cover the damage caused by and to your car even if you weren’t the driver, reducing the amount you pay out of pocket for damages incurred.

Your car insurance is the primary insurance- it is the first to cover damages. If the driver also has car insurance, their insurance is secondary- it will cover damages after the limits of your policy are met. If the damage surpasses your policy limit, and the driver does not have car insurance, you will pay the remaining costs out of pocket.

Permissive use occurs when one person gives permission to another person to use an item they legally possess, in this case, a car. In regards to permissive use, your insurance may cover any driver, family member in your household, and dependent children, if you gave them permission to drive your vehicle. In some states, permissive drivers have reduced coverage while behind the wheel.

Defective & Dangerous Products

Chicago Medical Malpractice Lawyers

The attorneys at Kershaw, Cook & Talley successfully represent consumers in lawsuits against manufacturers and companies involving defective products and product recalls. Our experienced trial attorneys recover thousands of dollars on behalf of injured individuals in cases involving defective medical devices, dangerous drugs, car defects and more.

Referring Attorneys

Best Chicago Medical Malpractice Lawyers

At times, attorneys require further expertise and resources, legally and financially, to resolve a legal matter. We have the team, capability and dedication to handle challenging cases. If you have a case exceeding your resources with respect to workforce or experience, consider contacting our firm. We welcome referrals from firms in Sacramento and throughout the United States.

Our Services

Medical Malpractice Lawyers, Kershaw, Cook & Talley

We provide free case consultations. If you, or a loved one, suffered an injury due to another’s negligence or wrongful conduct, call our firm. We will examine your individual situation and explain your legal rights. Our attorneys have extensive experience representing injured individuals, in both jury trials and settlement negotiations.

Personal Injury Attorneys, Personal Legal Service.

Kershaw, Cook & Talley is a Sacramento law firm founded on the principle of helping our clients through personalized legal services. With this philosophy, Kershaw, Cook & Talley has garnered a statewide and national reputation for providing outstanding legal representation and obtaining significant compensation for our clients.

Nationally Recognized Personal Injury Law Firm.

We understand personal injury cases are often emotionally and financially straining. Our team of top personal injury attorneys in Sacramento is committed to seeking justice for individuals injured as a result of another's negligence or intentional misconduct. At Kershaw, Cook & Talley, our experienced personal injury attorneys will hold the responsible parties accountable for their actions.


“Bill and Stu worked expeditiously to get my hip claim resolved.
I couldn’t believe how personable they were and easy to contact.”

-S. Thomas

“Stuart helped me with a case involving a defective hip replacement. He was incredibly responsive to my calls and concerns and really kept me updated on what was going on in the litigation. Even though his office was not in my hometown, he actually flew out to meet with me. He was incredibly knowledgeable about the case and really helped me through a very difficult time.”

-Personal Injury Client, as seen on AVVO

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