Temecula Auto Insurance Claims

If you hire us for your auto insurance claim, you can expect 3 things:

  1. Proactive communication about your case, 24/7.
  2. Scheduled updates on your case.
  3. Aggressive representation.

GET STARTED WITH A FREE CASE EVALUATION

We Make Working With Our Personal Injury Lawyers Easy

When you sign up with the personal injury lawyers at Sargent Law Firm, the first thing we do is contact the at-fault party’s insurance company and let them know we are representing you. Once they know they have to go through us, they will know that you have experienced legal advocates on your side.

OUR 7-STEP PROCESS:

Free Case Review
01
Free Case Review

We are available 24/7, and will review your case and all your options for free.

FREE Case Review

Hire us
02
Hire us

You do not pay us until we win your case.

FREE Case Review

Case Plan
03
Case Plan

Our team will develop a plan specific for you, and your individual case. We will send letters of representation to insurance companies, obtain police reports, perform accident investigations, and gather all evidence related to the accident.

Medical Treatment
04
Medical Treatment

We will help you navigate the healthcare system and your medical treatment. We work with many respected and highly experienced medical providers who will guide your treatment towards recovery, even if you don’t have health insurance.

Negotiations
05
Negotiations

We will negotiate on your behalf to help you recover:

  1. Medical Bills & Future Medical Costs
  2. Lost Wages & future loss of earnings
  3. Physical & Mental Pain and suffering, both past & future
  4. Wrongful Death Damages
  5. Property Damages
Settlement
06
Settlement

Our goal is to reach a fair settlement with the insurance company, and for our clients to be fairly compensated for their injuries.

Litigation
07
Litigation

If the insurance company refuses to reach a fair settlement for your case, then our firm will file a lawsuit on your behalf. We have our own Litigation Department who will fight for you in court to recover the money to which you are entitled for your injuries.

01 - Free Case Review

We are available 24/7, and will review your case and all your options for free.

FREE Case Review

02 - Hire us

You do not pay us until we win your case.

FREE Case Review

03 - Case Plan

Our team will develop a plan specific for you, and your individual case. We will send letters of representation to insurance companies, obtain police reports, perform accident investigations, and gather all evidence related to the accident.

04 - Medical Treatment

We will help you navigate the healthcare system and your medical treatment. We work with many respected and highly experienced medical providers who will guide your treatment towards recovery, even if you don’t have health insurance.

05 - Negotiations

We will negotiate on your behalf to help you recover:

  1. Medical Bills & Future Medical Costs
  2. Lost Wages & future loss of earnings
  3. Physical & Mental Pain and suffering, both past & future
  4. Wrongful Death Damages
  5. Property Damages

06 - Settlement

Our goal is to reach a fair settlement with the insurance company, and for our clients to be fairly compensated for their injuries.

07 - Litigation

If the insurance company refuses to reach a fair settlement for your case, then our firm will file a lawsuit on your behalf. We have our own Litigation Department who will fight for you in court to recover the money to which you are entitled for your injuries.

Temecula Auto Insurance Claims

While California code requires drivers to always carry automobile insurance, drivers are only required to carry:

  • Liability insurance that provides at least $15,000 in coverage for injury or death to one person;
  • $30,000 in coverage for injury or death to more than one person; and
  • $5,000 in coverage for property damage.

An examination of California car crash statistics reveals how woefully inadequate minimum required automobile insurance in California is. Besides these barebone requirements, there are also many motorists traveling in California who do not carry even the minimum amount of insurance required by state law. It is up to each motorist to ensure proper protection exists for potential vehicular damages in California.

Temecula Car Accident Attorney

This risk is heightened by the risk of injuries due to car crashes in California. The California Highway Patrol’s Statewide Integrated Traffic Records System reports that in 2013 there were 156,909 collisions resulting in 223,128 injuries and 3,104 fatalities. If you drive without adequate insurance in California, you may very soon find yourself in catastrophic situations.

Any type of thorough understanding of automobile insurance in California begins with an examination of the available types of car insurance with the help of a Temecula auto accident lawyer.

Types of Auto Accident Coverage in California

Collision Coverage

Collision coverage concerns damage that occurs to your own vehicle while you are driving. In the event of a car crash, collision coverage pays for repairs minus your chosen deductible.

Comprehensive Coverage

Comprehensive coverage details any damage other than collision endured by your vehicle. Various examples of situations covered by comprehensive coverage include fallen trees, animal collisions, or flood damage. Comprehensive coverage pays for these types of damages minus your chosen deductible.

Uninsured Motorist Coverage

Uninsured motorist coverage encompasses physical injuries or property damage caused by at-fault drivers without automobile insurance at the time of the accident. Examples of situations in which uninsured motorist coverage can be used include:

  • Situations when vehicles are struck by a driver without insurance;
  • Times when collisions occur and the other drive does not have sufficient insurance coverage; and
  • “Hit and run” accidents where it is impossible to locate the driver.

Medical Payments (MedPay) / Personal Injury Protection (PIP)

These aspects of insurance cover people who were a passenger in the vehicle at the time of the accident. Insurance limits are available for MedPay and PIP.

If you’ve been injured or a loved one has been killed through an act of negligence, you need the highest level of legal representation.

Schedule a Free Consultation

Important Insurance Elements to Remember

Temecula California car wreck injury lawyerIn addition to this breakdown of the various components of insurance, there are several other important elements that confuse motorists including:

  • 15/30/5. Sometimes insurance agents mention phrase like “your coverage limits are 15/30/5.” In this expression, the first number signifies available coverage in thousands for injuries on a per person level, the second number expressed in the thousands is the coverage for all injuries suffered by car crash victims on a per accident basis, and the third number in the thousands refers to how much coverage is available for property damage.
  • Bicyclists. Because biking is a popular trend in California, motorists should have an idea of insurance coverage issues when a bicyclist is involved in a car crash. If injured by another motorist, bicyclists can claim compensation under the other motorist’s insurance coverage. If you are injured by accident due to a bicyclist, you might be able to recover damages under uninsured motorist coverage.
  • Insurance Follows the Car. In California, automobile insurance follows the vehicle rather than the driver. One notable exception occurs when you drive the vehicle of a friend who does not hold automobile insurance for the vehicle.

Steps to File an Automobile Accident Insurance Claim in Temecula

When the time comes to file an insurance claim, it is recommended that motorists follow several steps, including:

Contact Appropriate Insurance Companies.

As soon as possible after an accident, contact your insurance company. If the other driver is responsible for the crash, you should also file a claim with the other driver’s insurance company. In the event that you must contact the other driver’s insurance company, first contact an attorney to discuss the legal repercussions in your exact case of providing a statement to the other driver’s insurance company.

File an Insurance Claim.

When you contact your insurance company, a customer service representative will help file a claim by gathering a variety of information including your name, policy detail, information about potential property damage or physical injuries, and a summary of the accident.

Confirm At-Fault Driver’s Insurance Information.

Drivers involved in a car crash often exchange insurance information. If the other driver lacks sufficient insurance coverage, any damage you incur might be covered by your own uninsured motorist coverage.

Fill Out Requisite Forms.

If your insurance company mails you a claims form, complete this form as quickly as possible and return the document along with any other supporting material.

Interact With Insurance Companies.

Insurance companies might wish to investigate the details surrounding your accident to determine fault.

If you are involved in an automobile accident in Temecula and have any difficulties dealing with insurance companies, call our experienced car accident attorneys in Temecula at The Sargent Firm Injury Lawyers as soon as possible for a free consultation to discuss your case.

Sargent Law Firm’s Recent Personal Injury Claim Results

When Sargent Law Firm represents you, our goal is to secure maximum compensation for your damages. Here are some of our recent results for personal injury claims in California and Idaho.

Every case is unique, and this partial list of our recent results does not guarantee your case will have the same or a similar outcome. Reach out to our personal injury lawyers today so we can evaluate your case based on its own merits.

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Why Choose Sargent Law Firm’s Personal Injury Lawyers?

At Sargent Law Firm, we are dedicated to giving injured parties and their families the support you’ll need to recover and move forward. We create a specific legal plan tailored to your case, which is just the beginning of the benefits of working with our California and Idaho personal injury attorneys.

Reputation

Our law firm has handled 1,000’s of personal injury cases, and is known for our honesty, exceptional client experience, and impressive case results within our community.

No Up-Front Cost

Our clients do not pay us until we win your case!

 

FREE Case Review

Protection from The Insurance Companies

Insurance companies want to pay you the least amount of money for your injury claim. We know the techniques and games that insurance companies use, and our firm will fight for your fair compensation.

Experience

Our team of attorneys are compassionate, assertive, and experienced in all aspects of a personal injury case.

Communication

Ongoing communication with our clients is a top priority at our firm. Our experienced team is available by text, phone, email, and client portal to keep our clients updated at every step of their case.

Technology

A Sargent Law Firm Client Portal is created for all of our clients. This allows our clients to access their case and case updates at their convenience. We utilize technology to enhance our client experience and case results.

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