California Law 101: How Do Car Accident Settlements Work?

a car collision

Did you know that car accident fatalities in the US have increased by a whopping 10.5% since 2020?

More than 29% of all traffic-related fatalities in 2020 resulted from speeding. These are usually caused by driver negligence or disregard for traffic rules. Such car crashes often change the victim’s life completely. Not only do they cause major vehicle damage, but serious injuries from accidents can also result in life-long health problems and hefty medical bills. The victims might also suffer additional financial damages by missing paychecks.

However, hiring car accident attorneys in Chico can help you file a claim to get the compensation you deserve. Read this blog to find out more.

Confirm Insurance Limits

The first thing you need to do after filing a claim with the insurance company is to confirm the insurance limit. This helps you know if you’ll get the proper compensation for the accident.

We recommend that you hire car accident attorneys as they know how insurance companies work. Not only will they file your claim, but they will also verify all the policy limits. Additionally, they will know what to do if the negligent motorist is underinsured or uninsured.

Investigate and Identify Damages

Your car accident attorney will thoroughly investigate the crash to collect evidence. They will talk to you, learn what happened, and scrutinize the evidence. The dents on your car can reveal great truths about the case. For example, if the car has a deep dent, but the trails are off, it could signify a strong impact with a following attempt to change course.

Your attorney will also review any pictures or videos you might have available. If you didn’t take any pictures of the crash, your lawyer can collect footage from dashboard cameras or nearby security cameras. This enables your attorney to catch any flaws in the defendant’s testimony.

Lawyers also review police reports to find any inconsistency or contradiction to help support their claims.

Send a Demand Letter

Your attorney can start negotiations by sending a demand letter to the insurance adjuster. This letter will consist of:

  1. Details regarding the incident.
  2. Information about your injuries, medical treatment, and final prognosis.
  3. Information about items that need compensation.
  4. They will also send a settlement amount.

Negotiate The Settlement

The insurance company will first conduct an investigation and respond to your settlement demand. The adjuster usually attempts to offer no or low compensation. However, lawyers can be helpful in submitting evidence and handling the negotiations to ensure you get proper compensation. The insurance company might present various offers and counteroffers before settling on an amount that’s right for you.

In case the insurance company denies your claim, your attorney will file a lawsuit.

If you require expert car accident attorneys in Chico, contact us at The Law Offices of Ron Marquez.

We are a general practice firm with years of expertise and leading lawyers to manage your car accident settlements in Chico. Our lawyers gather evidence of driver negligence and negotiate with insurance companies.

Contact us today.


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