Question 1

When to File a Personal Injury Claim After a California Car Accident?

Accepted Answer

If the insurance company disputes liability, offers an inadequate settlement, or denies your claim, you may consider filing a personal injury lawsuit.

The statute of limitations in California typically provides a two-year window from the date of the accident to file a lawsuit. Still, it’s essential to consult with an attorney to understand your case’s circumstances and legal options.

Consulting with a personal injury attorney is advisable in such situations. They can assess your case, negotiate with insurance companies, and guide you on whether filing a lawsuit is necessary to pursue the compensation you deserve.

Question 2

What Damages Does Insurance Claim Cover?

Accepted Answer

California accident claims can cover various damages you may have incurred due to the accident. These damages can be broadly categorized into two main groups: property damage and personal injury damages.

Insurance typically covers the cost of repairing your vehicle or, if it’s deemed a total loss, the actual cash value of your vehicle at the time of the accident.

If your vehicle is in the shop for repairs, your insurance policy may cover the cost of a rental car for a specified period. Further, your insurance policy can also cover the costs associated with transporting and storing your damaged vehicle.

Your insurance might cover medical bills related to injuries sustained in the accident, including hospital stays, surgeries, prescription medications, and ongoing treatment.

Insurance can cover compensation for the physical and emotional distress resulting from the accident, including pain, anxiety, and any reduction in your quality of life. If your injuries prevent you from working, your insurance claim can cover lost income, including future earning potential.

Further, if any personal items were damaged in the accident (e.g., a laptop or smartphone), these may also be covered up to policy limits.

In cases where a car accident results in a fatality, insurance claims can include compensation for funeral and burial expenses, as well as loss of financial support for surviving family members.

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