The Value of Uninsured Motorist Coverage (UIM)

In California, there are laws requiring all drivers to have minimum automobile insurance coverage with limits for $15,000/$30,000. Unfortunately, there are many drivers in the state that drive without the necessary insurance coverage. If you are hit by a driver without insurance, or if you are struck by a “hit and run” driver, in most cases you will be out of luck and will not have insurance coverage to compensate you for your losses. The Uninsured Motorist Coverage (UIM) of your own auto policy will provide valuable relief. Uninsured Motorist coverage can provide protection in both of the above scenarios where the other driver either does not have insurance, or if you have been struck by a hit and run driver that cannot be identified and located. In a big state like California, with many uninsured drivers on the roads driving hazardously, the importance of UIM coverage cannot be understated. If

Why Uninsured – Underinsured Motorist Coverage is An Essential Part of Automobile Insurance

Uninsured – underinsured motorist coverage is an essential part of your automobile insurance.  In a recent case we handled, our client was involved in a serious motor vehicle accident that unfortunately resulted in a re-aggravation of a shoulder injury he previously had. Our client had just recently undergone surgery to fix a torn shoulder rotator cuff. Unfortunately, the accident damaged his surgically repaired shoulder and re-tore it. The party responsible for the accident admitted liability, but only had the minimum amount of insurance legally required in California, which is coverage for $15,000/$30,000. Luckily for our client, when we inquired into his own insurance coverage, it turns out that he had underinsurance/uninsurance coverage for limits up to $50,000. Accordingly, if our client was able to exhaust the $15,000 policy of the at-fault party (which would be easy considering the extent of his injuries due to the accident), he could then make

The Importance of UM-UIM in Your Car Insurance

What is the importance of UM-UIM in your car insurance if you live in Southern California?  We are often contacted with questions about property damage and injuries received in hit and run accidents or in cases when the driver who caused the car accident had little or no insurance. All Californians should have Uninsured Motorist (UM) and UnderInsured Motorist coverage under your automobile insurance policy (often listed under UM/UIM) which would cover you and others in your car if you are injured in a hit and run accident or by a driver with California state minimum coverage or no insurance whatsoever.  Without the optional UIM coverage under your policy, it is highly likely that you will not be able to fully recover for your medical bills and other expenses associated with injuries in a car accident.  This includes, but is not limited to: medical bills physical therapy lost wages from

How You Should Handle First Contact with an Insurance Adjuster?

There are many misconceptions about what happens after a car accident and how an injury victim in California recovers the expenses and other compensation which they deserve.  Here are a few suggestions for how you should handle first contact with an insurance adjuster. Insurance adjusters are highly trained and skilled insurance experts.  Their job is simple: settle your personal injury claim for the lowest possible amount.  They are usually highly personable and their bosses want them to settle your injury claim as soon as possible. The first thing you should know is to be very careful about what you say to any insurance company representative.  It is important not to discuss the extent of your injuries, provide access to your medical records or medical bills, or even say how you are feeling.  Remember, insurance adjusters are attempting to get you to make statements which they will use against you later.

How Can We Ensure You Receive the Best Settlement of Your Case

How can we ensure you receive the best settlement of your case?  Isn’t it possible for you to do file a personal injury claim without hiring an attorney? It is absolutely possible to represent yourself and attempt to settle a personal injury claim without an experienced lawyer.  It may seem like the easiest way to resolve your personal injury claim, and the insurance adjuster will always encourage you “there’s no reason to hire a lawyer.” This simply isn’t true.  The fact is insurance companies always offer a much lower settlement than you actually deserve.  As an experienced personal injury with more than 40 years of proven skill and trial experience I can tell you this simply isn’t true.  I worked for the major insurance carriers for the first 20 years of my career.  I know their tactics first-hand. Hiring the Law Firm of Rivers Morrell won’t cost you a thing

Should You Settle a Personal Injury Case on your Own?

Should you settle a personal injury case on your own? What is the difference in outcome between those who have an attorney and those who choose to represent themselves in personal injury claims? It is important to understand the insurance company and their adjusters and attorneys you will be dealing with as well as a little about their tactics. The first person who will attempt to contact you after you are injured in a Mission Viejo car accident or motor vehicle collision is the insurance adjuster for the responsible insurance company. This person will seem very friendly and will attempt to convince you they are only concerned with your best interests and will do everything possible to ensure you receive a fast settlement for the highest possible amount. The truth is unfortunately quite the opposite. Insurance adjusters have one job: Get you to settle your case as quickly as possible

The Real Value of Uninsured Motorist Coverage or UIM

What is the real value of uninsured motorist coverage or UIM in Los Angeles, LA and Orange County California?  I recently had a friend call me to discuss a recent motor vehicle accident he had been involved in. While driving along the 405 freeway in the city of Costa Mesa, he was struck from behind out of nowhere. He pulled over to the side of the freeway, as did the driver that struck him from behind. However, and unbeknownst to him, another driver had struck the driver in back of him, which ultimately caused the collision. This was later verified by another independent witness that pulled over to confirm. Lucky for my friend, he had Uninsured Motorist Coverage (UIM) under his automobile insurance policy which would cover this type of “hit and run” accident. Without this optional UIM coverage under his policy, it may be likely that he would not

How Insurance Adjusters Make Low Offers to Maximize Profits

How do insurance adjusters make low offers to maximize profits for their employers?  There are several tactics that insurance adjusters use to minimize the exposure of insurance companies when you’ve been injured in an accident due to someone else’s negligence.  The first tactic is to turn the “friendly” side of their personality up to “full on” in an attempt to gain your trust and make it seem as if they are looking out for your interests. The second tactic relates to time.  Insurance adjusters want to settle your case quickly.  If they offer a settlement quickly call us immediately for a free consultation at 949-305-1400.  The harder they push to settle the more you should seriously consider contacting our office.  After more than 40 years of experience with accidents involving injury, I can tell you that many injuries do not fully present for weeks and sometimes months. You may “feel”
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