ca injury claim

Your Injury Claim, Compared to Millions of Other Similar Claims

Plaintiffs looking for a fair and reasonable settlement to their personal injury claim are often frustrated by low settlement offers and prolonged delays in the resolution of their matter. Many people who are injured feel they are treated unfairly by the at-fault party’s insurance company and cannot understand why they are being offered such low amounts of money to settle their case. This frustration is a popular sentiment among people hurt in car crashes, slip and fall cases, premises liability matters, and basically all personal injury situations in California. If you were injured and it was not your fault, a peek into the personal injury settlement process can help you understand why your case is being handled the way it is, and what you can do about it.

With so many drivers on California roads, insurance adjusters see thousands of claims cross their desks. Making your claim be more than a number is the key to getting your injuries reviewed fairly.

With so many drivers on California roads, insurance adjusters see thousands of claims cross their desks. Making your claim be more than a number is the key to getting your injuries reviewed fairly.

It’s Not You - It’s The Millions of Other Cases

If you’re lucky, you never get in a car crash. If you are in a car crash and are injured, however, you will likely have the unpleasant experience of trying to pay for your medical bills, additional transportation expenses, lost wages, and many other costs associated with an accident that was not your fault. Unfortunately, even though the law provides a way for you to have all these expenses paid for by the person or entity who caused your injury, the chances you’ll see a check arrive in your mailbox that covers everything are slim. The reason insurance companies tend to offer small amounts to settle claims is because they can. That is, the great majority of people who are trying to settle their injury case on their own do not know what to do with a bad offer, and they cannot negotiate a fair and reasonable settlement on their own because they don’t know the true value of their case. 

Consider for a moment that you were injured in a California car crash, say for example in Orange County or Los Angeles County. These counties are home to millions of people. Over the years, insurance companies have handled millions of cases in California and throughout the country, and your case is compared to other similar cases. How? Insurance companies keep big data that shows what the estimated value of a case is. For example, the type of car you drive, your zip code, your ethnicity - it all comes into play, whether insurance companies admit this or not (they deny this). The facts of your case, such as the amount of property damage involved, the amount of your medical care, the type of crash, and many other factors, are often plugged into an algorithm that produces a number. This number is the basis for the insurance adjuster’s starting negotiation point; many lawyers suspect that some insurance companies do not even review the photos or read the documents provided to them. They plug in the numbers and run the calculation, and from there they use a number to try to get you to settle your case. 

What To Do With a Bad Injury Settlement Offer?

Because insurance companies see millions of claims, there is a sense the plaintiff’s case is not reviewed in great detail in the majority of situations. Also, because insurance companies keep big data sets that show the settlement values of similar cases, and because most plaintiffs or claimants don’t hire a lawyer or personal injury law firm to represent them, the settlement values are often quite low. That is, when a lawyer is involved, the value rises, as a good lawyer knows what a case like yours will likely settle for. In this way, because your case is compared to millions of other cases, the great majority of which were settled by the individuals by themselves who often don’t know the true value of their case, you are being given a settlement number that is low. 

If you were hurt and want to know what the value of your case is, the best thing you can do is talk with an injury lawyer. A personal injury attorney who practices exclusively injury law in California will be able to compare your case to similar case values that involved an attorney. They will be able to consider up to date trends in the courts, and correspond with a community of personal injury plaintiff attorneys to “round table” your case and give you an evaluation of what is fair and reasonable in your matter.

Putting a Face to a Name

Insurance adjusters can decide to offer you $10,000 or $100,000, or any number for that matter, depending on their evaluation of your case. If your lifestyle was greatly affected, such as if you are a caretaker or a parent to young children, or you had to miss work due to your injuries, it is hard for an insurance adjuster to put a number on that. What is that worth? The reality is that if your loss is not represented by a bill, the value given to lifestyle changes and hardships is often zero. Even though your life is turned upside down and you’re bogged down with bills you don’t know how to pay, or you missed out on a special occasion, or you can’t perform your parental duties or participate in hobbies that you previously loved - none of this matters if you can’t put a number on it. A good lawyer will be able to argue persuasively that these changes to your life can only be compensated by paying you money for your loss. How much is this worth? Personal injury attorneys who handle lots of cases know how to argue for fair and reasonable settlement value. Or, if the insurance company refuses to acknowledge your loss, a good lawyer will bring your case before a court and persuade a jury that you should be paid for your losses.

Of course, nobody wants to go to court. The best scenario for you if you are hurt and want to be treated fairly by insurance is to have the insurance company take your claim seriously, or give it priority. When you are represented by an attorney, the insurance adjusters will often pay closer attention to your case. This is because they know their conduct is being monitored. Personal injury lawyers know that insurance agents and adjusters are regulated by the State of California insurance code. Most people know there are rules as to what insurance companies can and cannot do, but they don’t know what the rules are. Car crash attorneys who practice only personal injury matters know the rules that adjusters are supposed to adhere by; when the adjusters aren’t doing what they are supposed to, they know, and they can fight on your behalf to make sure your case gets a fair review. 

Making Your Case Stand Out From the Other Cases

At the end of the day, the difference between a fair settlement and an unfair settlement is the attention given to your matter by the insurance company, and the exposure they think the insurance company has in the future. That is, if you don’t accept their proposals, what will happen? Will you simply go away? Will you hire a lawyer who will fight them and require them to spend a lot of time and money on your case? Could the insurance company be liable for millions of dollars due to a court verdict that punishes the insurance company for its bad behavior or failure to adhere to the insurance code? The best way to stand out, in the opinion of many, is to seek the counsel of a lawyer or law firm that knows the true value of your case. Injury lawyers in California usually do not charge for an initial consultation, and the advise you can get in that time could be the difference between something fair and something that is pennies on the dollar for your claim. 

How to Choose an Injury Attorney

Before you sign a contract with an attorney, consider that your attorney will be an individual or office that you may communicate with on and off for several months, or several years, depending on the nature of your injury. Are you talking to a lawyer, or a salesman? Is the person you’ve been dealing with the same individual you’ll be talking to in the future? Is the law firm you’re considering a firm that focuses on only injury cases, or are they a jack of all trades, do-it all firm? If they claim to do all types of cases, what are they chances they have the experience and up to date knowledge of personal injury case values throughout California? Most lawyers would agree that the best thing would be to speak with an attorney who is willing to discuss your case, give you a fair evaluation, and can tell you who the attorney that will be handling your matter in the future is. 

 

Unintended Consequences of Car Modification

Most car owners who modify their cars are aware that the modifications tend to decrease, not increase, the value of their vehicle when they want to sell it. Why is the vehicle worse less money after modification, when modification can cost a lot of money? Your tastes are unique and don't necessarily match the tastes of other drivers. But there are several even more important reasons to carefully consider any modification to the external appearance of your vehicle.

This is how law enforcement may perceive you, regardless of how you're driving

This is how law enforcement may perceive you, regardless of how you're driving

Safety First

People change the appearance of their vehicle to get a certain look, something perhaps sportier than the original version. Or, maybe they want to stay up to date in trends of color and wheels. But many car owners may not consider that their modifications can have safety implications, and may not even be legal. For example, you may have driven behind a vehicle that has darkened plastic covering their rear lights, usually on a dark colored or black vehicle. The appearance makes the car look more uniform in color, as the back lights are less pronounced. What you may also have noticed is the brake lights are not as bright on these vehicles. Owners of these vehicles risk being rear-ended due to their brake lights not being bright enough, resulting in the driver behind them not being aware that the car in front is braking. 

Some modifications, like tinting light covers, especially brake light covers, can be illegal. There are millions and millions of vehicles on California roads, so what are the chances a driver of a vehicle with illegal brake light modifications will get pulled over? Maybe slim. But the chance that they'll get in a car accident certainly rises, posing a public safety hazard. This is why this particular modification tends to be against DMV standards. Also, if the vehicle has modifications that contributed to the crash, even a rear-end accident that results in injury, liability will almost always go against the car that has the modification. Thus, if you modify your car and are injured, the chances that you're placed at fault are high. Then, in many cases neither the other party's auto insurance, nor your own, will pay for your medical expenses.

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Also consider that seemingly minor modifications, if enough to convince a police officer or California Highway Patrol officer that your vehicle's appearance had something to do with causing the crash, you may be liable for any injuries caused to other parties. A car modification to make your vehicle look "cool" may not feel so cool, after all.

Visibility is Good, But Excessive Visibility is Bad

Some car owners have followed trends shown in the "Fast and Furious" movies, and other car racing movies, and install neon lights under their vehicle. Again, these modifications tend to be illegal, and the owner can be tickets. If the owner is ticketed on multiple occasions, the car may be impounded and their license suspended. What's the big deal of a little neon light? First, if you have neon lights under your car, the vehicle is very visable - too visable to other drivers, in fact, making it a distraction and a safety hazard. If you cause an accident and the other party says they were distracted by your lights, you're unlikely to convince the California Highway Patrol that your under-carriage lights had nothing to do with the crash. In fact, many California injury attorneys will attest that in almost every case where one of the vehicles has significant modifications, that vehicle is placed at fault on the police report.

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The Presumption of Guilt

Stereotypes are often unfair and inaccurate, but they still matter. You  may have an impeccable driving record and be an upstanding citizen in every way, and a great driver, but if you're involved in a crash that injures someone, the appearance of your vehicle matters. It may not seem fair, but California injury lawyers almost unanimously agree that the appearance of your vehicle comes into play when deciding who should pay for the damages. An extreme example may be helpful: if you're driving a sports car with bright paint, modified wheels, and other changes to the vehicle, and you're involved in a crash with a brown minivan, and the driver of the minivan says you were speeding and driving crazy, who do you think the police officer is going to believe? And modifications sometimes aren't needed at all: a sports car involved in an accident with a more "normal" car will often result in the sports car driver being put at fault.

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Which Modifications Matter?

If your tint is too dark, you can expect raised suspicion by the officer who makes the car crash report. If you have after-market wheels on your car, that will also likely go against you. This is not fair, of course, as the kind of rims on your vehicle likely had nothing to do with causing the crash, but these statements are made based on many years of observation by experienced California car accident lawyers who have dealt with thousands of injury cases. Under-carriage lighting, especially neon, is a big no-no; if you want to do this to your car, it is recommended that you don't drive with the lights on. You're asking for a ticket, at a minimum, and if you're involved in a car crash and someone gets hurt, your chances of not being put at fault are very low. Don't tint your tail lights; it's most often against DMV code, and it often results in rear-end accidents. Flashing lights on the interior that can be seen from outside are a big no-no. Basically anything that could distract other drivers and are not necessary to the safe operation of your vehicle are frowned upon by law enforcement, and do in fact contribute to car crashes. Mirror paint, or metallic paint jobs can often be distracting (this is, of course, obvious and on purpose), and the drivers of these vehicles will often attest that the number of tickets and perceived harassment by law enforcement is simply not worth it. Not to mention, most of these chances to your car are expensive, some costing many thousands of dollars!

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What if You're Involved in an Crash That Results in Injury?

If you were injured in a car crash, there are a lot of things to consider right away: your health, your auto insurance, the other driver's auto insurance, a police report or California Highway Patrol report, medical bills, lost wages - the list goes on and on. Most people have a decent idea of where to start and how to go about it, but there are endless loopholes designed to keep money with the insurance companies and out of your pocket. A call with an experienced car crash lawyer who practices in California may be beneficial. Also, if you were driving a modified vehicle and were involved in a crash where someone was injured, you  may benefit from speaking with an attorney, especially if you feel you were unfairly put at fault. Speaking with an injury law firm may save you a lot of time, headache, and money in the long run, and most lawyers offer these consultations at no up front cost.

The Lions Injury Lawyers practice injury law, and have seen many of the examples contained in this blog post play out in real life cases. If you or someone you love was involved in an accident that resulted in injury, you owe it to yourself to discuss the matter with an attorney, if only to reassure yourself you're going about things properly. The Lions Injury Lawyers represent clients throughout California, from San Diego all the way past San Francisco and including the Inland Empire and more remote parts of California. 

 

Car Accident Injuries & Medical Bills: What Insurance Will (and will not) Pay

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The range of injuries that result from car accidents varies greatly, from minor scuffs and bruises, to catastrophic injuries that require extensive hospitalization, surgery, and other intense medical treatment. If you were injured in a car accident in California, the laws essentially state that you are entitled to be made whole again, or to receive the medical care necessary to bring you back to the same state of health you were in prior to the car crash. The person who hit you is responsible for paying these medical bills, in general, but there are many "loopholes" that make getting full payment of your medical bills paid for difficult or impossible. 

How Does Insurance Evaluate Medical Care?

An injured person is expected to pursue reasonable medical treatment to care for their pains and ailments. What is reasonable? The answer to that question is, of course, subjective and it depends on who you ask. Generally speaking, medical care is considered reasonable by insurance adjusters if it happens at an appropriate time in relation to the car accident, the number of visits are within a normal range, and the cost of the care is within what insurance companies define as "industry standard." Some insurance companies are more strict than others when defining a price point for industry standard, which means they will not pay for treatment over a certain dollar point, regardless of where you live or how soon after your car accident you sought medical treatment. This situation leads many injured people to seek the advice of an injury attorney, even just to review their case and get advice on how to move forward.

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The Cost of Medical Treatment

Some insurance companies look to what Medicare accepts as "normal" pricing for a medical treatment or procedure. Obviously this is the lowest number possible for any given medical care, and the average car accident victim is unlikely to receive any medical treatment at the Medicare price. Does this mean you have to shop around endlessly to find the absolute cheapest medical care to treat your injuries? No. It may mean you'll benefit from the representation of a lawyer who practices car accident law, or an injury law firm that can assist you in finding access to medical care that will get you on your way towards full health. A good lawyer will fight to make sure you get your medical bills paid for and also compensation for pain and suffering.

Sequence Matters in Medical Treatment

Another way in which medical bills are slashed or denied by insurance companies is by the insurance adjuster claiming there was a "gap in treatment," or improper sequencing of care. This means that if you are hurt, you need to get help right away, and then follow the advice of your doctor. If you're injured, you need to first see a qualified doctor, and then follow the regimine the doctor prescribes you until you are better. If you take long breaks in-between treatment, you may find it difficult or impossible to get your bills paid for due to gaps in treatment. Similarly, if you know you require surgery, for example, you can't just delay getting the surgery for months and years. At some point, and it varies case by case, the insurance company will say the surgery is not related to the initial accident, and they will deny liability to pay for the operation. Sequence matters. This means you should seek the opinion of someone able to give an assessment of your injuries or ailments, like the kind of doctor visit you might get at an emergency room, at an urgent care, or through your primary care doctor. Then, you're expected to follow the advice of the doctor. For example, if the doctor says you need 25 visits of chiropractic care, you will be expected to go to a chiropractor and receive that amount of care.

Chiropractic care can be especially tricky when seeking payment for your medical bills from the insurance company of the individual liable for the accident and your injuries. Most insurance companies will balk at paying for more than 25 visits, unless specifically prescribed by a doctor not affiliated with the chiropractor's office. After 25 visits, if you are still injured, you'll be expected to seek additional treatment, something more advanced, such as an MRI, or a visit with a pain management office, or a specialist that deals with the body part(s) you've suffered injury in. 

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Don't Accept Pennies on the Dollar for your Bills

Some people injured in a car crash or other injury that was not their fault feel helpless when the insurance adjuster offers them a couple hundred dollars to pay for large bills. Feeling helpless, they don't know what to do and accept the money, thinking something is better than nothing. This plays perfectly into the insurance companies' strategy: if you offer ten people a very small settlement, at least seven or eight of those people will either go away, or eventually accept it. Dollar for dollar, this is their best bet, and they save the most money by doing this. What the seven or eight people who accept this offer do not know is that if they're offered $500, there is likely at least a couple thousand dollars available to pay for their bills, but they don't know how to get it.

Getting to a "Fair and Reasonable" Settlement for Your Injury

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If you weren't at fault, but you were injured, you deserve compensation to pay for your bills and for your pain and suffering. While the law says you deserve this, and there are tens of thousands of cases where this happens, most people don't know how to go about getting this money, and without the assistance of an experience and trusted injury law firm, you're very unlikely to get the money you deserve for your injury. Experience matters in injury law, and the representation of a good lawyer will, in almost every case, mean the injured person walks away with more money in their pocket and their medical bills paid for, than if they try to negotiate on their own. This has nothing to do with how smart the injured person is or how good a negotiator he or she is. If you don't know what your case is worth, or how the insurance company reviews your file and comes up with a price tag, you will not be able to get to their top offer. Of course, you can threaten to sue, but insurance companies are well represented by good defense law firms, so they are not intimidated by threats of lawsuits from individuals saying they'll go it alone and file the lawsuit. An injury law firm, on the other hand, will not only file a lawsuit on the injured person's behalf, but they'll go about it the right way and will very likely increase the cost of your claim by a lot of money: a lawsuit from a plaintiff represented by a good injury lawyer will get the attention of any insurance company or insurance adjuster.

The Lions Injury Lawyers, P.C. represents injured clients throughout California. Based in Orange County, CA, The Lions practice only injury law, meaning they focus 100% of their time, energy and effort on winning money for injured people throughout California. No matter if you live in San Diego County, Orange County, Los Angeles County - or somewhere else in California, The Lions will vigorously fight for you and your case. You won't talk to a salesman if you call for a free consultation - you'll discuss your case with an actual attorney, a lawyer who may eventually represent you and help you recover from your injury. Lawyers are ready to discuss your case today, or simply answer your questions.

Holiday Parties, Drunk Driving and You

At no other time of the year are more people celebrating with friends, coworkers, and loved ones, and many of these celebrations include lots and lots of alcohol. As your mother likely said at least once, it isn't you she's worried about, it's the "other guy." Tragically, every year there are thousands of drunken driving accidents throughout the state of California, and every year innocent people die due to the negligence and carelessness of others. While being hit by a drunk driver may seem like an entirely unavoidable happening, and sometimes that is the case, there are a few things you can do to lessen the chances of your being involved in a drunk driving crash.

Be Aware of your Surroundings

The first thing you should remember is if you're driving during Christmas and New Year's, especially in the evening time, there is a higher chance a driver near you is intoxicated. That may sound paranoid, but awareness to your general surroundings while driving during the holidays (or any other time of the year, for that matter), may be the difference between being involved in an injury-resulting car crash, and not. Watch for erratic driving, drivers not using headlights, drivers with their high beam or brights on, and any other unusual driving behavior.

Drunk Drivers Are Out There

Especially when you're driving at night, and especially around highly populated areas that have a high concentration of restaurants and bars, you should just assume that at least some of the other drivers on the road have been drinking.  If you assume this, your best bet is then to look for unusual behaviors, and to keep your distance from other cars. Don't drive too close to anyone. For example, even if all the cars around you are fine, if you're rear-ended at a high speed by a drunk driver from behind, if you're too close to other cars, the crash is much more likely result in injury or death. Drive with plenty of open space around you, and stay out of the left lane if reasonable and possible.

Use Lyft or Uber, and Request Your Ride Early

Lots of people attending holiday parties plan on using Uber or Lyft, but they sometimes forget that there are only so many ride hail service cars on the road, and sometimes the wait can be long and frustrating. Unfortunately, sometimes people who at first request a ride hail service like Uber or Lyft simply get tired of waiting and decide they're in good enough condition to drive. These same people end up injuring or killing others when they drive. Plan ahead: some ride services allow for scheduling ahead of time. Or, leave a little earlier than when most people will be leaving and ensure you'll be able to get a car. Finally, even if it is your habit to hail an Uber or Lyft, don't forget that traditional taxi services are still out there in many cities, and there may be a taxi available even if the other services are not.

Let the Driver Drive

Don't be a distraction to the driver. This applies to your Uber or Lyft driver, or your sober driver. Your driver has enough to pay attention to - don't be an annoying or disruptive drunk in the back seat that makes his or her job more difficult.

If Injured, Document Everything

If you're unlucky enough to be involved in a car crash this holiday season, take care to document as much as you can. This means taking photos of the scene, and calling the police or California Highway Patrol if the facts of the accident make such a call reasonable and necessary for your safety. Don't assume it will get sorted out in your favor in the future, even if the cause of the accident seems obviously not your fault. Go to Urgent Car, the Emergency Room, or your primary care health provider as soon as possible if you were injured. Any delays in treatment will allow the at-fault driver's insurance company to deny liability, which means the can avoid paying for your medical treatment. Auto insurance companies are very likely to believe their insured's version of events. It is common for even drunk drivers to tell their insurance they did nothing wrong; the auto insurance then sides with their insured, and you have to fight to make things right. If it was not your fault, in the end, the law entitles you to money for your medical bills and your pain and suffering.

California Injury Attorneys: What to Look For After a Car Crash Injury

Don't go it alone against sophisticated car insurance companies when you were injured in a crash. The tricks the insurance companies use are far too complicated, and they use so many of them, that even the highly educated and savvy person will have little chance of settling for fair value on their own. This means if you try to settle the case on your own, you are likely leaving money on the table, and accepting less than fair value for your injury case. You should look for an injury law firm that specializing in personal injury claims, has experience in California, and is able to communicate with you regularly from the time of the crash until settlement.

The Lions Injury Lawyers represent car accident victims throughout the state of California. Their staff and attorneys will assist you every step of the way. Questions about your crash, what to do (and what not to do)? Talk with an attorney at The Lions today, and move forward with confidence that you're setting yourself up for success. You've already gone through what should be the hard part - a car crash that results in injury can turn your life upside down. Don't let the aftermath be worse than the crash and injury. Get the healthcare you deserve, make sure you don't walk away with debts you cannot pay, and get money in your pocket for the pain and suffering you've experienced.

 

 

Dealing With Your Car Insurance After A Car Crash

Despite writing that monthly check to your auto insurance for liability and injury coverage, most people are understandably confused regarding what happens following a car crash when it comes to speaking with insurance. The assumption is that everything will be taken care of. After all, that is why you pay for insurance, right? And if you were not at fault for the car crash, why would you have anything to worry about? Unfortunately, reality is less cut and dry, and there are several things you should (and should not do) when communicating with your insurance provider following a car crash, especially an accident that resulted in injury to you or your passengers.

What Does Your Insurance Cover

In California, the state minimum policy, or the least amount of insurance you need to legally drive in the state, is a 15/30 policy. This is the amount of insurance coverage that is likely to cost you the least amount of money. What do the numbers mean? The 15 represents $15,000 for bodily injury you cause another individual. That is, if you injure someone, your insurance will pay up to $15,000 towards their medical bills and pain and suffering. This amount must cover everything, and is the maximum amount of money any one individual can recover as a result of an accident that was your fault. Even if that person's medical bills exceed $15,000, that's the most your insurance will pay. If you were injured by someone who has this insurance policy, the most you can recover from their insurance is $15,000. Even if your medical bills are extremely high, let's say $500,000, you will only get a check for $15,000 (in the best case scenario) from the at fault driver's insurance. 

The second number represents $30,000, or the total amount that your insurance will pay towards injury claims from a given accident. This means if there were multiple people injured, they must divide all their claims into the $30,000; if, for example, ten people were hurt, and each have $100,000, the total amount any one person can get is $15,000, and the entire group's net recovery cannot exceed $30,000. Given the high cost of medical care, a 15/30 or "bare minimum" insurance policy may not be enough to cover the medical bills and pain and suffering of those involved in the crash.

Will Your Insurance Premiums Be Increased?

The short answer is no, not automatically. This depends on whether you were at fault, and whether you were issued a citation or ticket from the California Highway Patrol or another law enforcement office. The amount you pay for car insurance depends on what you use your car for (business or pleasure), what kind of car you drive, where you live, what your driving/criminal records looks like, among other factors. If you were not at fault in a car accident, you should not see an increase in your insurance premiums. If you were at fault, you will likely see an increase. This is because it will cost more for your insurance company to insure you, and you are a greater risk of costing more money to insure in the future.

When Should You Report A Car Accident To Your Insurance?

Most people don't want to talk to their insurance because they don't want to see their bills increase. However, if you were injured, or someone else was injured, you should call your insurance company. Also, if property damage exceeds $500, or is likely to exceed that amount, you should call your insurance company. Some insurance policies (the "contract" between you and your insurance) require you talk notify them immediately after any motor vehicle collision.

What Should You Say To Your Insurance Following A Crash?

They need to know where it happened, when, any contact information from the other vehicles involved, and a basic explanation of the crash. That's it. You do not need to try to explain everything. In fact, doing so is likely to hurt you more than help you. Don't accept fault for the accident, and don't give a full list of possible injuries to you or anyone else. If you were injured, say you were injured and you have not yet visited a doctor. If you give a detailed accounting of injuries, you may miss something, and you will most certainly not give an accurate accounting of your injuries when compared to your medical records. This enables insurance adjusters to deny payment towards medical treatment later. You therefore shoot yourself in the foot by trying to be helpful. 

What Shouldn't You Say Following A Crash?

First, make sure you're safely off the road and are emotionally in a good spot. Too many people try to get on the phone with their insurance when their vehicle is still in the roadway, or they are in shock and still flustered from the accident. Take care of yourself first.

  • Don't admit fault. Just don't give your opinion. State the facts as simply and straightforward as you can. 
  • Don't say you are uninjured, or were not injured. If you feel pain a day or two later, which is very common, you may negate your ability to recover in the future. If you have medpay, or excess liability coverage, for example, your insurance policy that you've been paying for may cover you. It won't cover you if you make a statement that to you seems harmless, but allows your own insurance company do deny payment later on. 
  • Don't give a recorded or "official" statement. It won't help you and it can only hurt you. Sounds overly critical of insurance company, perhaps. But attorneys that handle car accident injuries regularly in California have seen time after time cases where the injured person makes a seemingly harmless recorded statement that is later used against that person. If you make a recorded statement (some insurance providers require this), you should do so only after consulting with an attorney. 
  • Don't estimate. Communicate the facts and stick to that. The more you try to connect the dots, the more likely you are to make a statement that although it sounds harmless to you, will prejudice your case in the future. This means it will work against you in the future. Keep it simple.
  • Don't sign medical records or releases. The insurance adjuster may say this is required, but it is not. You should consult with your attorney prior to signing medical release forms. 

Don't Settle Without First Consulting With An Attorney

Above all else, if you are considering settling, you should first speak with an injury law firm or an attorney who handles injury cases. Even if your case seems simple and straightforward, there are many loopholes that allow insurance companies to settle for less than fair value. If you don't know any better, you are likely leaving money on the table. Settling without an attorney almost always means you will get less money in your pocket. 

Depending on the facts of your case, you may be leaving large amounts of money on the table that you don't even know about. This is money that you have been paying for as part of your insurance premiums, or is money that the at-fault party is covered for. Remember, insurance companies are for-profit businesses. They want to spend as little money as possible on your claim. The less money they spend on your case, the more money they keep in the business. However, this does not mean you are getting a fair settlement for your California injury claim. Don't pad the pockets of the insurance company by accepting less than fair value. 

California Car Accident and Injury Attorneys

The Lions Injury Lawyers, P.C. handle injury claims throughout the state of California. The lawyers at The Lions Injury Lawyers do not work on other matters, but focus exclusively on injury cases. This means they have the experience and knowledge to help you get fair compensation for your injuries. If you or a loved one were injured, the attorneys at The Lions Injury Lawyers will answer your questions free of charge. All representation is done on a contingency fee basis, meaning you will never have to write a check or pay for your attorney out of pocket. Your fee is taken as a percentage of the amount your attorney wins on your behalf. If your attorney does not win, you owe nothing for the services provided. Also, you will speak directly with an attorney, not a salesperson. Don't sign up with an injury law firm after speaking with only a salesperson. Salespersons are fine at selling tires and perfume, but when it comes to your health and financial wellbeing, you deserve to speak with an attorney. Contact The Lions Injury Lawyers today for a free consult.