Insurance

Exceeding Policy Limits on Auto Accident Claims

A common question most accident victims ask is, “is it possible to settle my case for more than the at-fault’s insurance policy limits?” Generally, the answer is no. However, in some cases, depending on the specific facts surrounding the case, it is possible to get an insurance company to pay more than their policy limits. Understanding Insurance Policy Limits When you buy liability insurance, there is essentially always a...
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How Do Insurance Adjusters Value Pain and Suffering?

When you are injured in an accident that was caused by the reckless or negligent actions of another party, you may be entitled to compensation from the liable party’s insurance company. In order to get the monetary damages which you deserve, you need to file a claim against the at fault party. An Orange County personal injury attorney can help you maximize your claim. Once you have filed your...
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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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