If you have been in a car accident recently, your head is probably buzzing with questions. The tricky part is that there are probably some important concerns that you are not even aware of. If you have been involved in a car accident and especially if you have sustained some injuries, it is best to contact our team to get a free consultation with a highly experienced lawyer for car accident injury in San Diego.
What do I do if the other driver doesn’t have insurance?
Unfortunately, a considerable number of Californian drivers are uninsured. Some estimates say that they amount to as many as 20 percent. For this reason, it is best to have “uninsured motorist coverage” included in your policy. Incorporating that in your monthly premium means that you can file a claim with your insurance provider if the other driver is uninsured. Otherwise, you have to get the compensation from the other party themselves.
What can I do if the other driver denies liability?
Don’t be surprised if the other party’s insurance provider refuses to accept responsibility even though the police report says otherwise. In this case, you practically need a skillful lawyer to pursue every course to getting the insurance company to accept full or partial liability.
What do I do if I am uninsured?
You are probably wondering whether you can recover any compensation if you don’t have car insurance. The good news is you can, but not for all types of damages. Californian law prevents you from claiming compensation for non-pecuniary damages, i.e. those damages that are not out of pocket for you, such as pain and suffering. To have your specific case reviewed, please book a case review with a lawyer for car accident injury in San Diego.
Should I give a statement to the insurance provider?
You are strongly advised not to give a statement to either insurance company without professional legal guidance. You should be careful when you talk even to your own insurance provider, as all insurance agents are wickedly skillful in undermining your statements for the purposes of reducing the payout.
Get a lawyer for car accident injury in San Diego so that you can refer the insurance adjusters to your legal representative.
How do I file the claim if my driver is found liable?
As a passenger in a car accident, you file the claim with the insurance company of the driver at fault, even if it is the driver of the car you were in. You shouldn’t be reluctant to seek compensation just because the driver is a friend or someone close. Insurance policies exist for this very reason.
Which insurance company should pay for my car to be repaired?
You can go to either insurance company basically, but the results will be different.
Go to your insurance company if you want to get things done quickly. You can repair your car through your own policy if you have a full coverage and if you can pay the deductible.
If you wait for the other party’s insurance provider, be ready to wait. Bear in mind that it’s best to park your car in your garage or at least at the body shop. If you leave it in a tow yard, you could end up with a hefty bill.
Should I report the accident to my insurance company if I am not liable?
It is very common that drivers who are not at fault hesitate about reporting the accident to their insurance provider because they are afraid their insurance rates would shoot up. The thing to remember is that your rates will not go up if you are not guilty for the accident.
It is a good idea to let your insurance company know about your accident, but you don’t have to rely only on them to recover adequate compensation. An experienced and aggressive lawyer at your side will ensure you get maximum compensation for all the damages and losses you incurred.
How is a property damage claim different from a personal injury claim?
If you incurred both property damages and personal injuries in the accident, you will file two separate claims. This means that the settlements will also be separate and not influence each other in any way. What you should be careful about is not to sign a release for property damage compensation that makes any mention of general damages or personal injury. For this reason it’s also best that you have legal representation so that you don’t get a lower settlement just because of a technicality.
What can I do if the compensation is too low?
As you could expect, all insurance companies will do their best to pay you as little as possible. Victims who pursue their case without a lawyer are especially at risk of being taken advantage of. To make matters worse, such victims are also willing to accept the payout they get in order to avoid the fuss. An attorney who would fight for your interests could get you as much as 40 percent more money.
Can I hire a lawyer for car accident injury in San Diego if the accident happened outside of California?
If the accident happened in another state, you should be represented by a car accident attorney who is licensed to work in that state.