How California Car Insurance Works With Your Claim
Last updated on February 14, 2025
Understanding car insurance in California is crucial for every driver. By understanding the legal requirements and how to proceed after an accident, you can protect yourself from avoidable stress and financial hardship. With the assistance of a skilled Beverly Hills personal injury team, you can get help learning about the insurance policies involved with your accident and what you can do to earn the compensation you need.
At Jalilvand Law, we can help you decipher insurance policies after your accident and help lead you through the personal injury claim process.
According to California law, drivers must carry a minimum amount of liability insurance to cover bodily injury and property damage. Specifically, the law requires at least $15,000 per person for injury or death, $30,000 per accident for injury or death, and $5,000 for property damage. While every driver should have insurance, we must first confirm who is liable for your injuries.
Determining Fault In California Car Accidents
California operates under a fault-based system for car accidents. This means that the driver found to be at fault is responsible for covering the damages. Insurance companies will investigate an accident and determine who is at fault, which can impact which insurance company will pay compensation and how much they will pay.
After an accident, you can improve the chances of insurance companies making a favorable decision by taking several steps. First, ensure everyone is safe and call emergency services if necessary. Exchange information with the other driver, including insurance details. Document the scene with photos and gather witness statements if possible. Promptly report the accident to your insurance company to start the claims process.
How To File A Car Insurance Claim In California
Filing a car insurance claim can be straightforward if you know what to do. Filing your claim means gathering detailed information about the accident, including the date, time, location, and any involved parties and providing it to your insurance company. This information will aid them in their assessment. We can help you gather and present this information to your insurance provider.
The insurance company will then determine liability using California’s comparative fault rule. This rule works by determining how liable each party is for the accident. If you are 10% liable for your accident, your compensation will be reduced accordingly. So long as you do not hold majority liability, you can expect compensation for your injuries.
What To Do If Your Car Insurance Claim Is Denied
In some cases, insurance companies may deny your claim. This may seem like the end of the road in a personal injury claim, but there are still options to move forward. We can review your denial letter, use it to develop a stronger claim, and file an appeal on your behalf. This way, we can increase the chances of earning the outcome you need after your accident.
Leave Your Insurance Needs To Us
A personal injury lawyer can be a valuable ally in car insurance claims. We understand the intricacies of the process and can help ensure that you receive the compensation you deserve. If you have been in a difficult situation with your insurance claim, do not hesitate to seek professional legal assistance. We handle auto accidents throughout Southern California. Call us at 800-495-1532 or reach out online to schedule your initial consultation today.