Insurance

What Happens If the At-Fault Party Does Not Have Insurance Policy Limits?

When you are injured in a car accident that was caused by another party, you expect that the motorist’s insurance company to pay for your property damage and personal injuries. What happens if the at fault party only has the state required minimum coverage of $15,000 and your claim is worth more than that? What can you do?  If you opted to purchase underinsured motorist coverage (commonly referred to...
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What Happens If I Get Into an Accident Without Having Insurance in California?

According to a recent study by The Insurance Research Council, about 15% of all motorists in California do not have insurance. Although state law mandates all drivers to have insurance, some simply cannot afford it. This has become an especially big problem in Southern California cities, including Los Angeles. The study finds there to be a direct correlation between the percentage of drivers who have insurance and the financial...
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What Is UIM & UM Insurance Coverage?

If you were seriously injured in a car accident caused by another driver who has little or no car insurance, you could be stuck without a way of getting compensation for your injuries – unless you have underinsured (UIM) coverage or uninsured (UM) coverage. These two types of insurance coverage’s allow you to get compensated from your own insurance company, up to the limits you have purchased. However, just...
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Is the Insurance Company watching you?

If you were involved in an accident and filed a claim with the insurance company, there is always a chance that the carrier is watching you, especially if they are skeptical about the legitimacy of your injury claims. In fact, it has become a trend for insurance carriers to turn to social media to snoop on their claimants. Below are three common signs that the insurance company has hired an...
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Never Give a Recorded Statement To an Insurance Adjuster

Insurance companies often pressure individuals who have been injured in an accident to give a recorded statement. The adjusters will act like it is common practice, and even expected and required, for a claimant to give a recorded statement. They may treat the individual who refuses to give a statement as if they are doing something wrong. Quite the contrary, an insurance adjuster cannot force you to give a...
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Should I Give a Recorded Statement to an Insurance Adjuster?

Commonly, insurance adjusters request recorded statements from claimants.  Many times the request will be made prior to you obtaining legal representation.  We strongly advise against giving a recorded statement.  This is a tactic used by insurance companies to weaken your case.  The adjuster will not learn anything new through your statement.  The adjuster knows the facts of your case.  They know how the accident occurred.  They know the speeds...
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When Do Claims Adjusters Investigate Personal Injury Claimants?

Insurance adjusters in Orange County personal injury claims rely on certain “red flags” to alert them to the possibility of fraud. When they see these signs, they are much more likely to put those particular claimants under surveillance. Some of these signs may seem silly, but claims adjusters have been known to act on them.One such sign is if the adjuster at any point sees the claimant in athletic...
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Tactics Used By Stalling Insurance Adjusters

In Orange County, personal injury claims can take a long time. There is paperwork to fill and schedules to coordinate and the process, and claimants are often very frustrated and inconvenienced by this fact. However, it is an unfortunate reality that some unscrupulous insurance adjusters will take advantage of this fact and attempt to pressure claimants into accepting lower settlements. Here are some of these tactics. The claims adjuster...
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