Car accidents often bring upon more than injuries and damages although these can be rather severe. They also bring upon an unwanted headache that might be too much to handle. What should be a simple matter can turn into something much more complex as you have other’s involved as well as insurance companies. Sometimes, someone might be claiming you were at-fault for causing the accident when they truly were the ones to initiate the crash. This can delay payment from the insurance company until that can be proven and cause you to either have to wait for your money or force you to pay for certain expenses out of pocket.
The fact is, many auto accident claims don’t run as smoothly as they could and this only brings upon more stress for you to have deal with. While our Elk Grove, CA accident lawyers want to help alleviate this stress from you as you probably are trying to recover from the crash, their main goal is to get you what you deserve from your insurance company and/or from the at-fault party’s insurance carrier as well.
Our accident attorneys in Elk Grove are also committed to guiding you throughout the claims process as they want you to always understand what is going on with your claim so you are never left in the dark. And while it is recommended that you get your free consultation scheduled with a legal professional featured on our site, provided below are some answers to some frequently asked questions by those who have engaged in an accident in California. This may be able to help you ease your mind on certain things until you can get that scheduled.
What will happen once I file a claim with my insurance company?
An insurance agent should reach out to you regarding your accident to collect additional information regarding the incident. Your insurance may require that you:
- Complete an examination under oath.
- Provide documentation of your injuries, medical expenses, lost wages, etc. if you have medical payments or an uninsured motorist claim.
What will my insurer pay for a physical damage claim under a standard insurance policy?
If you are carrying a policy with the minimum state limits, the insurance company will pay the lesser of either the amount that is required to repair your vehicle or the actual cash value (ACV) of the vehicle. The actual cash value is the fair market value for your vehicle. According to California’s Department of Insurance, “The fair market value of an item is the dollar amount that a knowledgeable buyer is willing to pay, and a knowledgeable seller is willing to accept.”
Accident attorneys have had cases where insurance carriers attempt to provide an accident victim with an unfair amount that doesn’t cover all the repair expenses and they have had to step in to monitor and correct the matter.
My insurance company is telling me I must have my vehicle repaired at a repair shop of their choice. Is this true?
California Insurance Code §758.5 states that an insurance company cannot legally require that a vehicle be repaired at a specific repair shop. While they gave provide recommendations, they are not permitted to force you to take your car or truck to a shop of their choice.
By understanding your own insurance coverage and hiring a local Elk Grove accident lawyer, you have a higher chance of getting through the accident claims process with more ease.