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Best Anaheim Car Accident Attorneys Explain Role of Insurance Companies After Car Crash – 2022

June 13, 2022

Anaheim car accident lawyers can help you speak to insurance companies after a car crash

Anaheim Car Accident Lawyers Explain the Role of Insurance Companies After a Car Crash

When you get hurt in a car crash in California, the expenses start rising instantly. You need to get your car fixed and see a doctor about your injuries. You might not be likely to perform your job functions or pay your bills, so you will need to find a way to be compensated for the lost money.

Even though the crash was over within seconds, the long-term financial effects of losing your health are just getting started. Insurance plays a significant role in the State of California for both the Victim and the At-Fault Driver, also known as the Defendant.

California Car Insurance Process

California law says that all drivers must have car insurance, but that doesn’t mean everyone knows how the system works.

No matter who was at fault in a car accident in California, people with auto insurance should first call their own insurance company. An insured person must quickly inform their insurance company about a car insurance claim, whether they are a victim or a defendant.

The drivers can give claim information by calling the number on the insurance card of the policyholder. A claim can also be started online or with a mobile app if the insurance company provides those options.

Those who were not insured at the time of the accident can file a claim with the other party’s insurance company if they think the other party was wholly or partially to blame.

In California, there is a “fault” system in place. That means drivers must pay for any damage they cause in an accident. So if you are at fault, you need to pay up. If you were not at fault, you may be entitled to compensation.

Minimum Car Insurance Coverage in California

In California, it is the law that drivers must have car insurance and that insurance must meet specific requirements.

Under California Insurance Code §11580.1b, drivers’ minimum liability insurance requirements include:

– $15,000 for injury/death to one person.
– $30,000 for injury/death to more than one person.
– $5,000 for property damage.

Role of the Defendant’s (At-Fault Driver’s) Insurance

Obtaining damages from the at-fault motorist is the most common way for victims to pay for their injuries. In some instances, even the vehicle manufacturer may be a responsible party.

The insurance company will reimburse the victim if the other driver is found to be at fault. Where things get tricky is if the insured person disagrees with the amount of compensation the insurance company is offering.

NEVER Take the Offer From The Insurance Company Without Consulting a Lawyer

Insurance companies try to close cases fast to limit their losses so that they do not have to pay people the money they deserve. You have a right to fight for the compensation you deserve.

The right lawyer will initiate a case for uncompensated damages. Even if you’ve started speaking to insurance attorneys – stop and call us. We’re rated as the best Anaheim Car Accident lawyers for a reason. Call us today for your no obligation free consultation.

How Much Insurance Do I Actually Need?

Although California law only requires you as a defendant to have 15/30/5 coverage, it is a good idea to look into additional plans. The state’s minimum coverage requirement may not be adequate to cover the entire scope of an accident’s injuries and damage.

Victims may opt to seek your assets if you are at fault for an accident and your insurance doesn’t cover all the costs of their bills.

The following forms of insurance will assist ensure that you and anybody else involved in an accident:

– Coverage for Medical Payments
– Comprehensive Coverage
– Coverage for Collisions
– Coverage for Theft

It’s worth noting that these additional insurance options alone won’t meet the state’s 15/30/5 threshold. However, they will be instrumental if you are ever in a catastrophic accident.

Role of the Car Crash Victim’s Insurance

After a car accident that causes injuries, each injured person is responsible for paying their own medical bills. Yes, even the victim.

Many accident victims have insurance coverage that will pay these bills. However, the type and extent of this coverage will dictate how the bills get paid and when they will be paid.

If the victim does not have medical insurance, certain medical providers may agree to a medical lien so that the victim can receive treatment.

A medical lien is the ability of a healthcare provider (doctor, radiologist, physical therapist, hospital, etc.) to place request for payment on your personal injury claim to recoup any money owed to them for treatment as a result of that specific accident.

This demonstrates how important the role of the Victim’s insurance coverage is. As discussed above, all drivers must have insurance coverage in California.

Free Consultation With an Anaheim Car Accident Lawyer

If you have been involved in a car accident, it is important to seek medical attention right away. You should also contact an experienced car accident lawyer to discuss your legal options.

At the law firm of ALL Trial Lawyers, we offer free consultations with our car accident lawyers. We can help you understand your rights and determine if you are eligible for compensation.

We have years of experience handling Anaheim car accident cases and we know how to get the most out of them.

Contact us today for a free consultation with one of our Anaheim car accident lawyers. We will review your case and let you know what we can do to help. Call us now at (866) 811-4255.

We Don’t Get Paid Unless You Do.

Our Anaheim car accident attorneys work on a contingency fee basis, which means that you will only owe us if we win your case.

To learn more about how our fees are structured, contact us today for a free consultation. Call (866) 811-4255.

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