If you were recently in an auto accident, you may be facing significant losses. From medical bills to the cost of car maintenance, the price quickly steepens to where you are wondering how you will pay for everything.
If you are in this situation, we recommend that you reach out to a San Jose car accident attorney from our firm. Why? 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 choose to work with 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.
Do you feel as though your insurance company is not covering your losses the way that you need? Contact us today and we may be able to help you recover what you deserve.
Do Drivers Need to Carry Liability Insurance?
Every state requires that motorists carry insurance or other official documentation that claims that they can be financially responsible in the case of an accident. California requires drivers to carry liability insurance to cover injuries to other drivers. Under California law, the minimum liability insurance requirements for private passenger vehicles are:
- $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
Unfortunately, not every driver is operating their vehicle legally. Some motorists choose to drive without proper insurance or expired insurance policies thinking that they will not face the consequences of an accident. Fortunately, most insurance companies cover this situation as well.
When you buy car insurance in California, you may also purchase uninsured motorist coverage. Drivers may also add comprehensive and collision insurance. This type of insurance covers the cost of repairing or replacing your own vehicle if it is damaged or stolen.
Does “Med Pay Insurance” Cover My Medical Costs?
Many auto accidents are simple fender benders or accidents that simply require car maintenance and repairs. However, accidents that cause bodily harm are also prevalent. Serious accidents can require significant medical attention that may result in crippling medical debt.
Especially when another person causes the medical damages, compensation may be difficult to cover. For this reason, many people opt for additional insurance coverage.
Medical payments, or “med pay,” coverage is optional insurance coverage 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. These types of claims are more unique and may require an experienced attorney to correctly file and ensure that compensation is recovered. One of the knowledgeable car accident lawyers at Needham Kepner & Fish LLP can help you with a med pay claim.
How Does Umbrella Insurance Coverage Fill the Gaps?
Many insurance companies provide a policy that can cover a variety of situations. This “umbrella” or excess insurance acts as a safety net. It provides liability coverage when the limits of your underlying auto or 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. If you are attempting to recover any damages through an umbrella policy, you may benefit from the assistance of an attorney to ensure that you file properly and receive the coverage that you deserve.
Speak With a San Jose Car Accident Attorney From Our Firm
At Needham Kepner & Fish LLP, we work diligently to help our clients receive what they are due from insurance companies. We have experience representing individuals across California in a variety of situations, so do not hesitate to contact us today and we will assess your case.
If your condition prevents you from visiting our office, we will visit you at your home or wherever is most convenient for you.
To schedule a free consultation, contact us today at (408) 716-1668 or visit online. We handle injury cases on a contingent fee basis, which means that you pay us nothing unless you recover compensation.