Car Crash Accident Lawyer to Help you Speaking with the other Driver’s Insurance Company

Speaking with your own insurance after a car crash accident is a different story but here question is – Should you speak with the other driver’s insurance company after the car crash accident? The answer to this is ‘No’. Accident victims should avoid communicating with the other driver’s insurance company on their own as they constantly look for excuses to either deny or reject your personal injury claim.

And this reason is enough to seek the guidance of an experienced personal injury attorney in dealing with insurance companies. If you or a loved one was injured in a car accident in Los Angeles, we suggest you to call a skilled personal injury attorney first, even before calling your own insurance company. Attorneys at Farahi Law Firm, APC are committed to provide an aggressive legal representation in order to recover adequate compensation for your losses.

The insurance companies are in the business of making money and are not prone to acts of generosity. There is no surprise in this that the other driver’s insurance company’s goal will be to pay out as little as possible on the claim. As soon as the other driver’s carrier gets notified about the incident, they’ll start calling you. The reason of their call is to simply collect the information that will help them limit the amount they have to pay to you. They could even try to place blame on you and deny your claim. Here are few things that you should know if you receive a call from other driver’s insurance company:

  1. Decline to talk – While you are required to report any accident to your insurance company, you are not legally obliged to talk or cooperate to the other driver’s insurance company. It is rarely to your advantage. Simply decline to talk and tell them you’ll only speak to them in your attorneys presence.
  2. Avoid getting your call recorded – Defendant’s insurance may try to get a recorded statement from you and may even ask you questions that are irrelevant to the incident but can be used against you when you make a claim. You can politely say no if they tell you that this call is being recorded for training and review.
  3. Insurance adjusters are trained negotiators – The negotiator might claim they’re “on your side” and that they “want to get this processed as quickly as possible” etc. In reality the other driver’s insurance company is never on your side – no matter what they try to convince you.
  4. Deny first settlement offer – Insurance companies take advantage of the situation that after the accident client will be in need to of money for the repair of vehicle and medical expenses, so they offer the low amount and try to close the case. It has often seen that if claimants decline the first offer the insurance companies play delay tactics trick to pressurize the claimant to accept their low ball offer by not accepting or returning to your calls, giving lame excuses of losing your paperwork or annoying you by transferring you to different agents without any positive outcome. There may be an instance that insurance company will try to scare you by threatening you to take away your driver’s license but don’t panic they do not have that authority. It is just their one of the tricks. Most of the claimants are not even aware that they  have right to appeal the insurance companies offer when it totals your vehicle. Hence, we suggest our claimants should hire experienced attorneys in first go to avoid all the hassles and tricks played by insurance company.
  5. Do not sign anything until and unless you are sure – Like suggested above insurance companies works in their interest and may come up with numerous reasons and tricks to offer you low compensation but being the victim of the accident it’s your right that you should be compensated as per the nature of your suffering in all the way. So till the time you are not fully positive do not sign any paperwork or agreement from insurance company.

California Car Insurance Laws

California is an at-fault auto accident state, which means when you get into an accident with another driver, the at-fault driver is responsible for paying the damages the accident causes.  After an auto accident in California, any person who suffers an injury as a passenger, driver, or pedestrian may file a formal personal injury claim to the at-fault driver’s insurance. California’s minimum liability insurance requirements are:

  • $15,000 coverage to one person for bodily injury or death
  • $30,000 coverage per accident for bodily injury or death
  • $5,000 coverage for property damages

Apart from above California residents are also required to carry uninsured or under insured coverage to protect them from insufficiently covered drivers.

When determining fault in an auto accident, California also follows a comparative fault model. An individual may still seek insurance for an injury under comparative fault law even if he or she is partly at fault. The compensation is usually commensurate with the degree of negligence of the driver, e.g. if a person is 20% liable for an incident that causes $100,000 in damages, he or she is eligible to receive $80,000.

What Difference Can An Accident Attorney Make

An accident can have devastating effects on your life, both personally and financially. Loss of earning and huge medical bills are enough to put you under huge mounds of debt. And in the absence of an expert lawyer by your side insurance companies may short sell you the compensation that is often insufficient to deal with your situation. However, with skilled attorneys by your side, you can be sure to recover every single dime from the negligent party.

Representatives of the insurance company will likely seek to protect their own interests by reducing the amounts paid in settlements for car accidents or outright denying claims. Knowledgeable personal injury attorneys at Farahi Law Firm, APC will aggressively fight with insurance company to get you the fair compensation you deserve. Call us at (310) 272-5949 today for a FREE consultation.