Imagine a situation where you get involved in a car accident in San Diego, leading to steep medical bills and vehicle damage. It can happen on a highway or at a road intersection during rush hour or at night. The at-fault driver’s insurance may cover only a portion of the costs. They may have minimum liability coverage under California law.
It may happen, and if the insurance limits run out, what do you do? The good thing is you can still get higher coverage by hiring a capable lawyer. Expert car accident lawyers know how to bypass these issues and fetch their client’s proper compensation from insurers.
- A look at the insurance limits for car accidents in California
California’s minimum car insurance norms set the coverage for bodily injury per person at $15,000. If more than one person is involved, it can be $30,000. Property damage coverage is around $5,000.
If there is an accident involving multiple cars, these numbers get exhausted in a week. You may need intensive medical treatment with follow-ups and long-term medication, for example. It is where the skill and experience of a competent lawyer can do the needful.
- Using personal insurance coverage is the beginning
Before exploring legal options, you can certainly explore additional funds from your policy. Uninsured/Underinsured motorist coverage is useful when the other driver’s insurance is not enough. Through MedPay, you can access immediate medical expenses to cover early expenses. However, these may not be possible in every case.
- Identifying other liable parties
A skilled car accident lawyer tries to fetch additional coverage by using skill and experience. They look for the liability of the employer, if applicable. They use California’s “permissive use” laws to determine the viability of the car owner. In some cases, the carmaker may be held liable if a faulty part contributed to the crash. Sometimes, civic entities may be liable for poor road maintenance.
Search online for “car accident attorneys near me” who will explore all these angles to fetch you maximum compensation.
- How does a seasoned lawyer try to maximize compensation?
Car accident lawyers with long experience develop apt strategies to maximize the compensation amount for clients. They analyze all available insurance policies and carry out investigations for secondary liability. When negotiation does not work, they resort to filing lawsuits.
- How do you choose the right lawyer?
In San Diego, plenty of auto accident lawyers are available. However, you will not get the maximum compensation by hiring any legal expert. So, you must look for a lawyer with a proven track record of handling such complex cases. You should spend some time comparing available lawyers in this niche and carefully reviewing their client feedback. Unless you consult with such attorneys, it is hard to understand their suitability.
Summing it up
When you are injured in a car crash, and getting proper coverage seems tough, hire a capable lawyer quickly. Try to gather as much evidence as possible and document everything. This will make things easier for the legal expert and improve your compensation prospects.
