Should I talk to the insurance company after an accident?
No, consult an attorney first to avoid saying anything that could hurt your claim.
How do insurance companies try to reduce settlements?
They may argue pre-existing conditions, shared fault, or downplay injuries to minimize payouts.
What should I do if the insurance company denies my claim?
Appeal the decision with supporting evidence or hire an attorney to fight for fair compensation.
Should I accept the first settlement offer from the insurance company?
No, initial offers are often lowball settlements. A lawyer can negotiate for a higher payout.
What if I don’t have health insurance to cover my medical bills?
Some doctors work on a lien basis, meaning they get paid after you receive a settlement.
Can I recover damages for emotional distress?
Yes, pain and suffering and emotional distress are compensable in personal injury cases.
What if the at-fault driver fled the scene (hit-and-run accident)?
Uninsured motorist coverage or a personal injury lawsuit may help you recover damages.
How can I prove lost wages due to an accident?
Provide pay stubs, tax returns, and employer statements documenting missed workdays.
What happens if the insurance policy limit is too low to cover my damages?
You may sue the at-fault party personally or explore underinsured motorist coverage.
How long does an insurance company have to settle a claim in California?
40 days after receiving proof of loss, but delays often occur.