FAQ / Important California Auto Insurance Laws

What Are the Important Auto Insurance Claims Laws in California?

Accident victims use car accident lawyers to assist in settling negligence claims.
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You need to understand the basics of an auto insurance claim and financial recovery in a California car accident. Whether it involves bodily injury or property damage to motor vehicles, a good understanding of car insurance claims and how insurance companies treat physical injuries remains essential.

Understanding a third-party claim or additional coverage will be a valuable tool to recover compensation. Below, our Los Angeles personal injury attorneys specializing in U.S. insurance law go over the ropes of car accidents and making claims.

Car Insurance Quick Reference

  • Necessary Involvements?
  • Crashes with Uninsured Drivers?
  • Insurance Auto Accidents
  • Filing a Personal Injury Lawsuit
  • Don’t Settle Without Guidance
  • Working with Our Firm

Understanding Car Accidents And Insurance Claims Basics

California auto insurance, including uninsured motorist coverage, underinsured motorist coverage, bodily injury, comprehensive coverage (pays for policyholders’ vehicle repair or replacement costs, including theft and storm damage), collision coverage, and medical payments coverage helps pay personal injury and motor vehicle property damage victims.

The best auto insurance policy can even cover bodily injury liability when involved in an accident with an uninsured driver. Our personal injury lawyers help injured accident victims recover insurance money.

Here, you can learn how to compare collision insurance policies and make informed decisions when buying auto insurance. Our reasonable assistance helps the accident victim understand at least a portion of their auto policy, the California Vehicle Code, and recovering compensation.

Your policy is a legal document. Legal advice to understand coverage for your registered motor vehicles or other property remains vital to vehicle owners. (Examples: an auto, truck, van, motorcycle, private passenger vehicle, paying the specific towing company and repair shop, etc.)

What Are the Necessary Involvements?

Many accidents involve more than one person. Car accident liability evidence must be noted carefully to make sure you get the most significant portion of available insurance coverage. Your car insurance coverage under California law plays a role in the effective use of your insurance policy.

Requirements for Insurance are Based on Law

You must meet California vehicle registration requirements with the California Department of Motor Vehicles (aka California DMV). After, you can establish financial responsibility by buying minimum 15/30/5 liability insurance, showing a bond or self-insurance certificate.

Insured drivers must carry and provide evidence of car insurance to other drivers and make an accident report with the police and DMV in case of a car accident with property damage liability or personal injury.

Will My Fees Increase After a Crash?

Under California car accident laws, your insurance premiums or financial responsibility should not increase if you weren’t the at-fault driver. At a minimum, an attorney on your side is essential to make sure you’re covered.

A great advocate can deal with certain situations, or regulations, and any insurance issue. These experts can answer uninsured motorist bodily injury adjuster questions and determine whether passengers and others have viable claims.

Crashes With Uninsured Drivers

Car accidents with uninsured drivers or drivers with no insurance policy to account for their financial responsibility in California require a different claims process than typical collisions.

Since you cannot get liability coverage with the at-fault driver’s insurance company, you must turn elsewhere for liability insurance coverage. This is typical in a hit-and-run car accident.

Uninsured Motorist Coverage

Your first option is your insurance provider. If you purchased uninsured/underinsured motorist insurance, this would cover your damages up to the policy’s maximum.

File a first-party insurance claim you purchased the type of insurance to protect personal assets and yourself.

Some specific types of claims can be presentable without a lot of difficulties. However, if you have any significant bodily injury caused by a heavy-impact collision, you very well may run into resistance on payment of total value.

This holds even if you present a claim to your own insurance company under the medical payments provision or uninsured or underinsured motorist provisions.

Suppose you seek total compensation for all current and future medical costs, repair costs, replacement costs, lost wages or income, property damage, and especially compensation for both physical pain and emotional damages.

In that case, the investigation and benefits remain uncertain until the results are reported to the adjuster.

Dealing With the Insurance Company for Auto Accidents

Most insurance companies can be challenging to deal with. When you ask your insurance company for money, it will double- and triple-check your case evidence because it wants to minimize your settlement as much as possible.

Sometimes, insurance companies will blame you for the accident, claiming you’re at fault. They’ll seek to pay you less than policy limits.

They may deny you a rental vehicle and place some or all of the blame for the accident on you. It behooves you to mitigate any losses and not assume the other driver will even have insurance even though California law requires minimum amounts.

So unless you purchased tow coverage or have AAA, you must pay reasonable towing expenses out of pocket and seek reimbursement from the at-fault party later.

The company may even use stereotypes about how dangerous riding a motorcycle is and how you must be a risk-taker to get out of paying you fair compensation if you were riding one.

Yes, insurers do mistreat motorcyclists sometimes. You don’t have to put up with this nonsense alone. Our legal consort can help victims receive fair compensation. We’ll never let the insurance agent cheat you at any cost.

Filing a Personal Injury Lawsuit

Some extreme negligence cases see adjusters trying to argue limitations against meeting obligations under the agreed-upon automobile insurance policies, without adequate proof trying to push the responsibility for paying back lenders and your expenses, even when you’re not at fault.

Anyone injured can sue. But if the at-fault party was an uninsured motorist or their car insurance policy had minimum coverage, you may not receive total damages. For example, you and other car accident victims, a family member, can seek coverage of your medical bills and a generally fair settlement with the benefit of legal counsel.

That is where our professionalism and aggression come in. At Ehline Law Firm, we have fought for many clients who found themselves in similar situations, and we have helped secure more than 150 million dollars in damages.

Working With Ehline Law Firm

We begin our process by thoroughly investigating the information provided about your accident. We’ll look at the surrounding consequences of collecting convincing evidence to prove your case. Next, we need to calculate your damages such as pain and suffering, lost income, and medical expenses.

Our injury lawyers will put your entire case together. We’ll negotiate and explain your settlement demand to the insurance company to maximize damages.

Be Wary Of Settlements Against Your Best Interest

Dealing with arrogant insurance carriers in the aftermath of a severe accident can be notoriously hard. The responsible party may trick you and the court. Our insurance settlement lawyer will hold them accountable for their pure comparative negligence.

We’ll fight aggressively on your behalf. Our years of outstanding experience and our integrity transcends us. Our law firm commits itself to your trust. We approach every case with empathy, professionalism, and tenacity.

Promptly engaging with counsel is essential to obtain compensation for bodily injuries and from those financially responsible. Time is of the essence post-injury. But even if you blew the statute of limitations, a reasonable delay is allowed an accident-related injury is discovered after the regular time to sue. (See, e.g., California Civil Code §338)

Get a Free Consultation Today

Our injury attorneys work hard for our clients on the roadway to ensure the best possible outcome. Our numerous 5-star reviews don’t lie. You can check out our client testimonials right here on our website.

Ehline Law Firm is ready to stand with injured people in any challenge matter. We’ll win their legal battles by brawling with the insurance company for the other parties with fault.

We’re available 24/7 to discuss your injuries and vehicle damage, all confidential under the attorney-client privilege. Fee free to use our online website form also.

Here are some additional answers to frequently asked questions:

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Downtown Los Angeles Office
633 West 5th Street #2890
Los Angeles, CA 90071
(213) 596-9642

Downtown Los Angeles Office
633 West 5th Street #2890
Los Angeles, CA 90071
(213) 596-9642
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