Insurance Companies Are Not on Your Side After a Car Accident
You have paid car insurance premiums to your car insurance company for years, so you might think that your insurer would show some loyalty when you have been injured in a car accident. You would be wrong. Insurance companies are big businesses whose aim is to make a profit. Car insurance companies make a profit by collecting more in premiums than they pay out in claims. So it is in their interest to delay, deny or underpay your claim.
The car accident attorneys at Needham Kepner & Fish LLP have an insider’s view of how insurance companies operate. When you retain our car accident attorneys, you gain the support of a legal team from a car accident law firm that understands insurers’ tactics, strategies and tricks. If you have been injured in an accident, you should focus on recovering your health. Let us deal with the insurance companies.
Drivers Must Carry Liability Insurance
California requires drivers to carry liability insurance to cover injuries to other drivers. Under California law, these are the minimum liability insurance requirements for private passenger vehicles:
- $15,000 for injury or death to one person
- $30,000 for injury or death to more than one person
- $5,000 for damage to property
When you buy car insurance in California, you also get uninsured motorist coverage unless you refuse it. Drivers may also add comprehensive and collision insurance to cover the cost of repairing or replacing their own vehicle if it is damaged or stolen.
Med Pay Car Accident Coverage
Medical payments, or “med pay,” coverage is optional in California. Regardless of fault, med pay coverage kicks in when you are in an accident and you or your passengers suffer bodily injury that requires medical attention. Your insurance rates should not increase if you use med pay to cover injuries suffered in an accident that was not your fault. A knowledgeable car accident attorney can help you with a med pay claim.
We Help You Find Funding For Immediate Costs
After being injured in an accident, one of your immediate concerns is how you will stay afloat financially while you are unable to work but are being inundated with medical bills. In addition to helping you seek recovery through settlement negotiations or a lawsuit, our car accident attorneys can help you get financial assistance from other sources. If you have health insurance through your employer, it may cover at least some of your medical treatment. You also might be able to collect from the medical payments coverage in your own car insurance policy. When you need to know what to do after a car accident, our car accident attorneys can guide you.
We Will Handle the Insurance Companies
In most auto accident cases, your car accident attorney negotiates with an insurance company, whether it’s your own or that of the other driver. Insurance companies are for-profit corporations with a simple goal: to collect as much as possible in premiums and pay out as little as possible on claims. Car accident attorneys with a track record of favorable trial verdicts can dramatically increase your chances of obtaining a fair settlement with the insurance companies. Most auto accident cases are resolved through settlement, and the insurer is more likely to offer fair compensation if it is clear that your lawyers have the ability to win if the case goes to trial.
A Talented Car Accident Law Firm
The attorneys at Needham Kepner & Fish LLP have a record of success in helping car accident victims and their families throughout California’s Bay Area. We are particularly experienced in handling serious accidents that cause catastrophic injuries or death. By performing a meticulous investigation, our experienced car accident attorneys identify the causes of the accident, which can include motorist error, defective parts and dangerous road conditions. We apply our extensive trial experience and negotiation skills to deal with the insurance companies and fight for the compensation you deserve.
If you or a loved one has suffered an injury in a car accident, consult our car accident attorneys as soon as possible. We also handle motorcycle, bicycle and scooter accident cases throughout the Bay Area. To schedule a free consultation, contact Needham Kepner & Fish LLP today online or at (408) 956-6949. We handle injury cases on a contingent fee basis, which means that you pay us nothing unless you recover compensation.