After being injured in a critical accident in California, one of the questions you are most likely to have is whether you need to proceed with a personal injury claim. Your car insurance process may or may not be easy.
Contacting your insurance company and notifying them of the accident should be your first step after you have been hurt. Insurance policies that are limited to collision or have comprehensive coverage, do not meet the minimum requirements in California.
Under California Insurance Code 11580.1(b) and California Vehicle Code 16056, drivers must carry liability insurance that meets the following minimum requirements:
- $5000 for property damage
- $30,000 for death to more than one person or injury to more than one person.
- $15000 for injury or death to one individual
Both the at fault and peer comparative negligence systems are at play in California. This means that you could still be able to recover compensation for your injuries even if you were found to be partially at fault for an accident. Identifying an experienced injury attorney who can evaluate your legal claim and tell you whether or not you have grounds to pursue a lawsuit is important.
You might also have questions if the other driver is not insured or doesn’t have the right insurance. Your underinsured/uninsured motorist coverage protection can help you.
Working with the insurance companies on your own can be frustrating and can add additional time to the handling of your claim. When you identify an experienced San Diego injury lawyer at the outset of your case who is knowledgeable about the insurance process in California, there is a greater chance that you will be able to proceed effectively and with minimum problems.
SENIOR PERSONAL INJURY ATTORNEY & FIRM FOUNDER
Michael Pines is a former insurance company attorney who graduated from the University of California Hastings College of the Law in 1987. While he was an insurance attorney, he learned from behind the scenes how insurance companies work and how they decide how much to pay injured people. Now that he works against insurance companies, Michael’s inside knowledge has resulted in significant benefits to his clients injured in car accidents. Learn more about Michael Pines