Auto Accident Lawyers in San Jose Help You Deal With Insurance Companies

Don’t be fooled into thinking your insurer is on your side

You have paid premiums to your insurance company for years, so you might think that your insurer would show some loyalty when you have been injured in an accident. You would be wrong. Insurance companies are big businesses whose aim is to make a profit. They 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 attorneys at Needham Kepner & Fish LLP have an insider’s view of how insurance companies operate. When you retain us, you gain the support of a legal team 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 insurance covers your medical costs

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 requiring medical care. 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 lawyer can help you with a med pay claim.

Excess or umbrella insurance coverage fills the gaps

Umbrella or excess insurance acts as a safety net. It provides liability coverage when the limits of your underlying auto and homeowners policies have been exhausted. Umbrella coverage is relatively cheap, and offers you peace of mind when you have been in an accident that threatens to deplete your basic insurance coverage.

Injury lawyers serve the Sacramento and San Francisco areas

At Needham Kepner & Fish LLP, we work diligently to help our clients receive what they’re due from insurance companies. If your condition prevents you from visiting our office, we will visit you at your home or hospital bed. To schedule a free consultation, contact us today at(408) 956-6949 or visit online. We handle injury cases on a contingent fee basis, which means that you pay us nothing unless you recover compensation.

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