OVER 400 Legal Answers to Frequently Asked Questions to a Variety of California Injury Issues and Legal Problems Associated with California Accidents
What is my case worth? What should I do after a bicycle accident? My car's brakes didn't function properly, do I have a case? Should I sign the insurance company's proposal? Some of your questions may have been answered already on Mark Blane's website. However, San Diego county accidents happen all the time, and all sorts of different questions about different injury scenarios can be raised by a person who is injured. As a result, this personal injury website is dedicated to answering your frequently asked questions about a variety of injuries, your legal rights, and what procedures you should follow. Just browse our frequently asked questions (FAQ) section (below) and look them up. If you have other or more specific questions, just send an email (Contact Us) and you will receive a reply without delay!
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Is there a minimum amount for my medical bills in order for them to be covered by my insurance company after a car crash in San Diego?
There isn't a minimum amount of medical expenses billed for insurance providers to be obliged to pay after a car crash in San Diego. If you're experiencing resistance from your insurance company after a car crash in San Diego, contact a San Diego trial lawyer who can explain your rights to you.
A San Diego trial lawyer can help you determine what damages you may be entitled to as a result of the injuries you sustained in the accident. Your insurance company must provide fair and just compensation provided it can be proven that your injuries were the result of another party's negligence on the road.
However, your insurance provider may only cover your medical expenses up to the limits of your automobile insurance policy, the minimum limit of which is:
- $15,000 for death or injury of one person;
- $30,000 for all persons in any one accident; and
- $5,000 for property damage in any one accident.
However, your insurance provider will not necessarily pay out to the limits of your policy. It is an unfortunate reality of auto insurance claims that many providers attempt to purposefully undervalue the damages you have sustained.
Insurance providers will generally prefer to pay one lump sum after an accident rather than obliging themselves to pay your medical expenses as they come due. It is advisable to purchase an additional coverage option that your carrier may provide called "medical payments coverage."
This coverage will pay your medical expenses as they are incurred up to the limits of your policy and can even be used for deductibles and co-payments that your health insurance policy may apply.
Take Control of Your California Injury Claim by Contacting a San Diego Trial Lawyer
San Diego accident lawyer Mark C. Blane and his legal team aren't like some of the other San Diego injury attorneys you may have met with or seen ads for around town. Our goal is to educate our clients - even those whose cases we don't take - so that you not only understand the legal process ahead of you but the basics of San Diego injury law and your legal rights after a car crash in San Diego.
You can get started by ordering one of our FREE injury guides including Wolf in Sheep's Clothing: What Your Insurance Company Doesn't Want You to Know and Won't Tell You Until It's Too Late! or The 10 Secrets You Need to Know About Your Injury Case Before You Call a Lawyer. Contact us today to schedule your appointment - 888-845-6269 or 619-813-7955. We are proud to serve San Diego's Spanish speaking population and even offer our FREE California personal injury book en Español.
CALIFORNIA AUTO INSURANCE: In California, who or what parties are usually covered under a California auto insurance liability policy?
Here are the parties covered under a valid California auto liability insurance policy:
Named insured: This is the person or people named in the California auto policy, no matter what car they are driving.
Spouse: Even if the spouse of the named insured is not named on a policy, liability insurance almost always covers him or her, unless the couple does not live together.
Other relative: This refers to anyone living in the household with the named insured who is related to the insured by blood, marriage or adoption, usually including a legal ward or foster child.
Other covered person: Anyone driving the insured vehicle with permission. Someone who steals the car is not covered.
CALIFORNIA CAR INSURANCE: In California, which vehicles are normally found to be covered under a valid California auto insurance liability policy?
The following are normally covered vehicles in a valid California auto insurance liability policy:
Named vehicles: An accident in a non-named vehicle is covered only if a named insured was driving the vehicle.
Added vehicles: This includes any vehicle with which the named insured replaces the original named vehicle, and any additional vehicle the named insured owns during the policy period (you may be required to notify the company of the new or different vehicle within 30 days after you acquire it). This is why when you lease a new car, you need to report the change to the leased vehicle within 30 days.
Temporary vehicles: A temporary vehicle is any vehicle, including a rental vehicle, that substitutes for an insured vehicle that is out of use because it needs repair or service, or has been destroyed.
CALIFORNIA (AUTO) COLLISION INSURANCE COVERAGE: What is California collision coverage contained in an auto liability policy?
California collision coverage will pay for the repairs to a vehicle if the owner is the one who is at fault in the accident. (Ideally, if the other party is at fault in the accident, their property damage liability insurance will pay for the repairs to the car.) Collision coverage is usually the most expensive type of auto insurance. Thus, collision coverage will usually pay for any damage to the vehicle caused by the owner.
CALIFORNIA (AUTO) COMPREHENSIVE INSURANCE COVERAGE: What is California comprehensive coverage in an auto liability policy?Comprehensive coverage pays for damage to a car that was caused by events other than a car accident, or if the owner was at fault. Covered events can include theft, fire, vandalism, natural disasters -- even hitting a deer. This is actually quite common on some parts of California freeways! Comprehensive coverage, like collision coverage, usually insures only the actual value of the car and not the replacement value.
IT IS A GOOD IDEA TO REVIEW YOUR AUTO POLICY EVERY YEAR TO MAKE SURE YOUR COVERAGES COVER ANY LIFESTYLE CHANGES. You can call me FREE of charge to review your auto policy at (619) 813-7955.
CALIFORNIA ACCIDENT | INSURANCE COMPANY: Should I talk to the other driver's insurance company if they call me?
You should never give an oral statement to the at-fault party's insurance company without counsel present. If you are contacted, be polite and decline to talk about your injuries. Insurance adjusters are skilled professional negotiators with vast experience in using psychological techniques to try and get you to give them information which may ultimately hurt your claim; including trying to discourage from seeking counsel from an attorney.
CALIFORNIA CAR ACCIDENT | INSURANCE COMPANY: Should I contact my own insurance company after an accident?
Most insurance policies require their policyholders to promptly report every accident involving an automobile. Your own insurance company needs to gather information regarding your accident for its records regardless of fault. Failing to provide necessary information to your insurance company in a timely manner may result in your insurance not covering you for the accident. This may occur and it would not be considered a bad faith maneuver by your insurance.
Your auto policy will dictate the time frames in reporting an accident, and it is a good idea to review your policy for this information. It is recommended that if you or your passengers were injured in an accident, or if you have any issues regarding your coverages, you should immediately contact an attorney for legal consult.