1Should I speak to the insurance company after an accident?
Itās best to speak with an attorney first. Insurance adjusters may try to get you to say something that could weaken your claim.
2How do insurance companies try to reduce payouts?
They often point to pre-existing conditions, shared fault, or attempt to minimize the severity of your injuries to lower the settlement amount.
3What can I do if the insurance company denies my claim?
You can appeal the denial with strong supporting evidence or have your attorney challenge the decision on your behalf.
4Should I accept the first settlement offer?
No. First offers are usually lowball settlements. A skilled attorney can negotiate for a more appropriate and fair payout.
5What if I donāt have health insurance to cover treatment?
Many medical providers accept treatment on a lien, meaning theyāll get paid after your case settles.
6Can I receive compensation for emotional distress?
Yes. Pain and suffering, including emotional trauma such as anxiety or depression, is recoverable in personal injury claims.
7What if the at-fault driver left the scene (hit-and-run)?
If youāre the victim of a hit-and-run, you may be able to recover damages through uninsured motorist coverage or by filing a personal injury lawsuit.
8How do I prove lost wages from my injury?
Youāll need to provide pay stubs, tax documents, and a statement from your employer to verify time missed from work and income loss.
9What if the other driverās insurance isnāt enough to cover my damages?
You may be able to sue the at-fault driver personally or use your underinsured motorist coverage if applicable.
10How long does an insurance company have to settle a claim in California?
Under California law, insurers must settle within 40 days of receiving proof of your claimābut delays are common, especially without legal pressure.
