The California Insurance Code (or CIC) is the body of rules that California insurance companies must follow when conducting business in the state. One of the obligations imposed by the CIC under §790.03 is that an insurance agency must investigate promptly, process, and pay insurance claims. This rule applies regardless of if the coverage is for car insurance/auto insurance, medical insurance, homeowners insurance, life insurance, renters insurance or commercial liability.
The California Department of Insurance has notified insurance companies that they are still required investigate promptly, process, and pay claims during the COVID-19 crisis.
On March 18, 2020, the California Insurance Commissioner, Ricardo Lara issued a “NOTICE RE: Insurance Company Obligations to Comply with Insurance Laws during the Coronavirus (COVID-19) Outbreak.”
This news should reassure any individual who has suffered injuries in a car accident, or any other type of personal injury case, should continue to timely file their insurance claims and protect their statute of limitations. Despite the number of court closures, the courts are still accepting filings, and therefore, time-sensitive deadlines still apply.
Have You Been Injured, Contact Solution Law APC
If you’re involved in an accident, chances are you will need a lawyer. Even when you are not suing another person, you may need a lawyer to help you receive money from your own insurance company.
Here are the most common reasons to hire an attorney:
- Serious Injuries: These accidents include hospitalization, broken bones and/or injuries that are likely to be permanent in nature.
- Death: Whether you’re a surviving loved one or the opposing driver of an accident that results in death should be handled by an attorney immediately.
- Fault:. Accidents can and do occur, but when fault becomes a clear issue, it’s time for legal guidance.
- Construction Zone: Accidents that occur in a construction zone can be deadly. These accidents may even involve hitting a worker or violations on part of the driver. Heavy fines and penalties are assessed for accidents in construction zones.
- Police Report: A police report that’s not accurate can have a lasting impact on your claim. If the report puts the blame on you and is not accurate, you’ll need an attorney to help and fight your case.
- Additional Parties: When additional parties are involved, you’ll need to contact an attorney. These parties can include other automobiles and even pedestrians.
- Attorneys are Involved: If anyone, including your insurer, hires an attorney, you’ll want to pick up the phone immediately and secure your own attorney.
- Insurance Issues: If any auto involved in the accident doesn’t have insurance, the insurer suggests you didn’t pay your premium or your insurance limits are too low, you will need an attorney.
When to Seek Legal Advice After a Car Accident
- Accident’s fault may be an issue
- Not sure of your rights
- Confused about your policy
- Stuck in negotiations with your insurer
- Not sure if your insurer is acting in good faith
What You Should Do When Making Car Insurance Claims
- Call your insurance agent as soon as possible.
- Review your current policy and understand what your coverages are.
- Consider other policies that may offer coverage, such as homeowner policies.
- Take pictures of the accident scene, damage and injuries.
- Remain honest the entire time. Your insurer needs to know all the facts pertaining to an accident.
- Document everything from your medical bills to expenses incurred as a result of your accident.
Pain and suffering, loss of work, medical bills and further damages can occur from a single automobile accident. Property damage can occur, death or life-long injuries. Taking the wrong approach, following an accident, can have a lasting impact on your claim. It is important you consult with an attorney before you make any decisions.
What You Should Not Do When Making a Claim
An accident often leads people to make rash decisions and this can lead to making big mistakes. Here are a few pointers to ensure your best options are still open.
- Don’t provide a written or recorded statement to your insurer until you fully understand your policy.
- Don’t accept an estimate or appraisal that isn’t fair. Take your time to analyze the estimate and appraisal before moving forward.
- Don’t accept a payment marked as “final payment.” If you accept a “final payment” check, you may be agreeing to not pursue further action.
- Don’t sign a waiver or release. Legal advice should be sought if you’re an accident victim and have someone asking you to sign a waiver or release.
- Don’t accept anything you deem unfair. An insurance adjuster works for the insurance company, so they have the best interest of the insurer in mind – not your interests.
If you have been injured as a result of a car accident, slip and fall, or trip and fall, call Solution Law APC right away. Make sure that you gather the contact information from as many witnesses as you can find. We can review your case and advise you further on what steps to take. With decades of experience fighting for accident clients, we have the knowledge and expertise to recover the maximum compensation for your injuries. Our firm has recovered MILLIONS OF DOLLARS.
For more information and a FREE CASE REVIEW, Call us Today!
SOLUTION LAW (714) 839-9838
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