Your rights in an auto accident

In the state of California all cars on the road are obliged to carry insurance. This means that in any accident, which was not your fault, you can rest reasonably assured that any damage you receive will be covered , if not by the individual then by the insurance that is carried by that vehicle.

In minor fender benders, where there is no physical injury, this is fairly straightforward. The driver at fault either pays for the damage out of pocket or the claim must go against the insurance on that vehicle. Note that there are statutory minimums which are as follows:
$15,000 for death or injury of any one person in a single accident. $30,000 for all persons injured or killed in a single accident and $5,000 for damage caused in any one accident.

This amount has to be covered by either an insurance policy or a cash deposit of $35,000 with the Department of Motor Vehicles (DMV).

As one can imagine, $15,000 would not even cover the medical bills in the event of a broken leg requiring 6 weeks of hospital treatment. Nor would $30,000 go very far if there were 4 people in the car all of whom required treatment. Thus it is recommended that all motorists take out their own insurance policy to the value of a minimum of $50,000 to cover themselves in the event of being in an accident caused by an under- or uninsured motor vehicle. With the costs of medical bills being what they are, and with the repairs to your own motor vehicle mounting up with a fender easily costing $1,000 and then painting and labor will quickly eat up that $5,000 it would be as well to take out as much UM/UIM insurance as you can afford. This is advisable especially if you drive a late model motorcar.

The claims process might be straightforward. The other car collides with you, the state names him as responsible for the accident and either he or his insurance must pay for the repairs to your car. For damages this may involve some bureaucratic wrangling but in the long run you repair will be covered. You may be able to claim for the repairs from your own insurer who will reclaim the amount from the at fault party or his insurer. This will depend on the wording of your own insurance policy.

But in the event of injury, hospitalization, after-care, disablement and pain and suffering a whole separate set of circumstances come into play. It would be best to consult with a Personal Injury Attorney in Los Angeles to assist with the claims involved. An individual claiming on their own will find that there will be many barriers to receiving a full settlement of expenses and bills and is unlikely to receive anything for future care or pain and suffering, loss of earnings or disfigurement.

A Accident Attorney in Los Angelesis well aware of all these obstacles and has the knowledge and experience to navigate through them. They will be relentless in pursuing every avenue to get you the best settlement possible.