Speak To Attorney Now
(707) 422-1202
SPEAK TO ATTORNEY NOW(707) 422-1202
Speak To Attorney Now
(707) 422-1202 SPEAK TO ATTORNEY NOW(707) 422-1202
An Umbrella policy, also known as an Excess Insurance policy, operates how the name implies – it sits on top of the rest of your insurance policies like an umbrella, providing excess coverage for high liability situations.
An umbrella policy is the most cost effective and efficient way to set above standard limits for your insurance policy. The umbrella policy allows you to increase your protection across all your underlying policies with one quick and easy move, rather than adjusting each insurance policy separately. This affords you far more than just ease of adjustment, and can actually save you a lot of money too!
Insurance companies work on statistics, and the probability that you will make a claim on your policy, combined with the expected dollar amount of those possible claims, determines the premium you will pay to carry the insurance contract. The same goes for an umbrella policy, but because the probability that you will file a claim totaling more than your policy limit is far lower than the probability that you will file a smaller, more average sized claim, the premium that you pay for the same coverage in an excess policy will be less than the premium you would have paid increasing the limits of your underlying policies. Essentially, the excess policy is far less likely to be used, given that the underlying policy must exhaust all of its limits prior its use.
If you have any questions regarding your specific case, contact a Fairfield personal injury lawyer at The Choyce Law Firm today.
Individuals can carry excess policies with their underlying policy carriers, or they can carry umbrella policies with a completely different insurer. This can make it difficult to find all of the applicable insurance that a liable party carries, which could mean an individual involved in an accident will not receive all of the compensation that they deserve. Personal injury case payouts are often limited by the amount of insurance the liable party carries, and it is imperative that the attorneys you hire for your case are experts in finding the applicable insurance limits that will maximize your injury compensation.
The personal injury attorneys at this law firm have been fighting the insurance companies for years and are experts in the field. Call us for a free consultation today!
This is my second time hiring Mr. Choyce for my son, who was charged with a criminal act. Both times that I hired Mr. Choyce, I was very impressed with his knowledge of the law, his professionalism, and the fact that he was relatable. He is trustworthy, tells you the truth about what you are facing. He is organized, he is a very good listener, came up with strategies that were appealing.I can’t say enough good about Mr. Choyce! I knew that he was going to give my son’s case everything he had, and he did!
Hiring the Choyce Law Firm was the best decision I made while trying to decide what to do after getting charged with a 3rd DUI. I tried to use a lawyer that I had previously used when in trouble with the law, he was near retirement and wasn’t able to give my case the attention I was looking for understanding that I was facing jail time. When contacting Mr Choyce we discussed my case and he told me he could help, he even knew my previous attorney. Mr Choyce was aggressive in fighting my case with filing motions on my behalf an trying to get my case dismissed, I was very pleased that he was not just looking to get the first deal the D.A. offered but was aggressively trying to win my case. Although we were not able to get the dismissal we were looking for he was able to keep me out of jail an I was able to serve my sentence on the EHD Program, which allowed me to keep my job an that was very important to me. Mr Choyce also handled a second case for me, I was charged with driving on a suspended license and no registration. Once again Mr Choyce was aggressive with this case and took it to trail an was able to get a not guilty verdict, which saved me a great deal of money in fines that would be pending with a guilty verdict. Overall hiring Mr Choyce and his team was the best decision I made, he provided great service at a respectable rate, an explained things as they were happening and with the charges I was facing I was very happy with the outcome of my cases that he handled. I would strongly recommend Mr Choyce and his team to anyone I know that needs legal representation he knows the law and will provide you with the best service you could hope for form a lawyer that wants to win.
“This is my second time using Mr. Choyce, and I would choose no one other than him. Both times that I hired him, it was for my son, and they were very serious cases. Mr. Choyce is smart, professional, practical, and relatable. He is a serious person, who listens, speaks in laymens terms, so that you understand what is going on. Not like some that I have experience, who talk over you, and dont take the time to really answer your questions.The second case got very close to going to trial, however, I was confident that I had the best of the best representing my son. Thank God that after willing to go to trial, we got a deal that, I think was a win win.I would definitely, without a question, hire Mr. Choyce again!”
We are all required by law to carry automotive insurance if we choose to drive a vehicle, and that insurance is in place to cover any liabilities that may arise from our driving. Every state has a different set of minimum limits that a driver is required to carry, and these limits are imposed to ensure the monetary protection of all the other drivers on the road that you may come into contact with.
The three main types of insurance limits are the:
If you have been in a car accident contact a Sacramento injury attorney to get advice about your specific automobile accident case.
The aggregate limit of an insurance policy represents the total amount of damages that can be incurred and paid out by the policy in a given policy year (insurance policies are often written on one year terms). For example, if your aggregate policy limit is $1,000,000, the total damages paid out resulting from one or multiple claims cannot total more than $1,000,000 in a given policy period. If you caused a car accident in January that paid out $800,000 in total damages, and you caused another accident in July that totaled $500,000 in damages, the insurance policy would not cover the entire second accident, it would only pay out a maximum of $200,000, because the $1,000,000 aggregate limit was reached ($800,000 + $200,000 = $1,000,000).
The Per Occurrence insurance limit controls exactly what the name applies – the maximum amount of claim dollars that can be paid out resulting from one automotive accident, also known as an occurrence. As an example, if your insurance policy has a $300,000 per occurrence limit, and you caused a 10 car pile-up on the highway, your insurance policy will cover a maximum of $300,000 of damages in total, even if the total damages of the accident totaled over $1,000,000. The insurance company itself determines the payment schedule and who will receive payout dollars, but it is usually evenly split amongst the claimants if the insurance limit will not cover the total.
As the name implies, this limit controls the maximum amount that can be paid to any single claimant during an occurrence. We will bring you back to the last example to try and explain the per person limit. The 10 car pileup that you caused resulted in injuries sustained to 12 people. 10 of the 12 suffered minor injuries to themselves and their vehicles, but two of the individuals involved sustained serious injuries and their medical bills each total $300,000. The per person total on your insurance policy is $50,000, meaning that any individual claimant is only able to collect a maximum of $50,000 from your policy, regardless of their total damages sustained.
Insurance policies and the limits they carry can confuse for the most experienced professionals, don’t try and handle your case on your own! The injury attorney at this law firm have been securing insurance payouts for injuries sustained during automotive accidents for years and are ready to help. Call us for a free consultation today!
Please give our office a call today for a free consultation with our Sacramento injury attorney – its OK if you didn’t follow the steps and have no idea who hit you, we can help!
The Choyce Law Firm has years of legal experience handling tough settlement claims with frustrating insurance companies. Give us a call at (916) 306-0636 to speak to a Sacramento personal injury lawyer who can handle your case and take the burden off your hands.
The Choyce Law Firm
1438 Del Paso Blvd
Sacramento, CA 95815
(916) 306-0636
This is my second time hiring Mr. Choyce for my son, who was charged with a criminal act. Both times that I hired Mr. Choyce, I was very impressed with his knowledge of the law, his professionalism, and the fact that he was relatable. He is trustworthy, tells you the truth about what you are facing. He is organized, he is a very good listener, came up with strategies that were appealing.I can’t say enough good about Mr. Choyce! I knew that he was going to give my son’s case everything he had, and he did!
Hiring the Choyce Law Firm was the best decision I made while trying to decide what to do after getting charged with a 3rd DUI. I tried to use a lawyer that I had previously used when in trouble with the law, he was near retirement and wasn’t able to give my case the attention I was looking for understanding that I was facing jail time. When contacting Mr Choyce we discussed my case and he told me he could help, he even knew my previous attorney. Mr Choyce was aggressive in fighting my case with filing motions on my behalf an trying to get my case dismissed, I was very pleased that he was not just looking to get the first deal the D.A. offered but was aggressively trying to win my case. Although we were not able to get the dismissal we were looking for he was able to keep me out of jail an I was able to serve my sentence on the EHD Program, which allowed me to keep my job an that was very important to me. Mr Choyce also handled a second case for me, I was charged with driving on a suspended license and no registration. Once again Mr Choyce was aggressive with this case and took it to trail an was able to get a not guilty verdict, which saved me a great deal of money in fines that would be pending with a guilty verdict. Overall hiring Mr Choyce and his team was the best decision I made, he provided great service at a respectable rate, an explained things as they were happening and with the charges I was facing I was very happy with the outcome of my cases that he handled. I would strongly recommend Mr Choyce and his team to anyone I know that needs legal representation he knows the law and will provide you with the best service you could hope for form a lawyer that wants to win.
“This is my second time using Mr. Choyce, and I would choose no one other than him. Both times that I hired him, it was for my son, and they were very serious cases. Mr. Choyce is smart, professional, practical, and relatable. He is a serious person, who listens, speaks in laymens terms, so that you understand what is going on. Not like some that I have experience, who talk over you, and dont take the time to really answer your questions.The second case got very close to going to trial, however, I was confident that I had the best of the best representing my son. Thank God that after willing to go to trial, we got a deal that, I think was a win win.I would definitely, without a question, hire Mr. Choyce again!”
California has more laws to protect insurance policyholders than any other state in the country. Unfortunately, this does not necessarily stop insurance companies from doing whatever they can to limit payouts and increase profits. In order to have a decent chance of receiving the compensation to which you are entitled, it’s important to understand your rights and the procedures in dealing with an insurance company. Speak to a Sacramento personal injury lawyer regarding your specific case.
The most important law to remember is that your insurance company is legally obligated to act in “good faith.” It has a duty to investigate, process, and deal with you fairly and to pay your claim fully, promptly and in your best interest.
Basic negotiating will resolve most insurance disputes. The following list is meant to serve as a guideline for how to deal with an insurance company:
Truly the best thing you can do when dealing with an insurance company is to have a knowledgeable and motivated law group on your side. The laws and proceedings can be complicated and missing a single deadline may jeopardize your ability to receive compensation.
The Choyce Law Firm has years of legal experience handling tough settlement claims with frustrating insurance companies. Give us a call at (916) 306-0636 to speak to a Sacramento personal injury lawyer who can handle your case and take the burden off your hands.
This is my second time hiring Mr. Choyce for my son, who was charged with a criminal act. Both times that I hired Mr. Choyce, I was very impressed with his knowledge of the law, his professionalism, and the fact that he was relatable. He is trustworthy, tells you the truth about what you are facing. He is organized, he is a very good listener, came up with strategies that were appealing.I can’t say enough good about Mr. Choyce! I knew that he was going to give my son’s case everything he had, and he did!
Hiring the Choyce Law Firm was the best decision I made while trying to decide what to do after getting charged with a 3rd DUI. I tried to use a lawyer that I had previously used when in trouble with the law, he was near retirement and wasn’t able to give my case the attention I was looking for understanding that I was facing jail time. When contacting Mr Choyce we discussed my case and he told me he could help, he even knew my previous attorney. Mr Choyce was aggressive in fighting my case with filing motions on my behalf an trying to get my case dismissed, I was very pleased that he was not just looking to get the first deal the D.A. offered but was aggressively trying to win my case. Although we were not able to get the dismissal we were looking for he was able to keep me out of jail an I was able to serve my sentence on the EHD Program, which allowed me to keep my job an that was very important to me. Mr Choyce also handled a second case for me, I was charged with driving on a suspended license and no registration. Once again Mr Choyce was aggressive with this case and took it to trail an was able to get a not guilty verdict, which saved me a great deal of money in fines that would be pending with a guilty verdict. Overall hiring Mr Choyce and his team was the best decision I made, he provided great service at a respectable rate, an explained things as they were happening and with the charges I was facing I was very happy with the outcome of my cases that he handled. I would strongly recommend Mr Choyce and his team to anyone I know that needs legal representation he knows the law and will provide you with the best service you could hope for form a lawyer that wants to win.
“This is my second time using Mr. Choyce, and I would choose no one other than him. Both times that I hired him, it was for my son, and they were very serious cases. Mr. Choyce is smart, professional, practical, and relatable. He is a serious person, who listens, speaks in laymens terms, so that you understand what is going on. Not like some that I have experience, who talk over you, and dont take the time to really answer your questions.The second case got very close to going to trial, however, I was confident that I had the best of the best representing my son. Thank God that after willing to go to trial, we got a deal that, I think was a win win.I would definitely, without a question, hire Mr. Choyce again!”
Under California law, an insurance company is given the ability to decide what perils it covers and under what circumstances. Policies cannot legally be marketed under false pretenses, but also are not required to contain all the perils you may require coverage for. Damage caused by wind and hail is usually covered under both homeowners and renters insurance policies (though earthquake is not!). If you have questions regarding your specific insurance policy, speak with a Fairfield accident lawyer.
If damage occurs, it is always important to contact your insurance company to report any damage and schedule a visit from a claims adjuster as soon as possible. You should make any necessary temporary repairs to prevent further damage, but hold off on any permanent repairs until a claims adjuster has visited your home and completed their inspection. It is also very important to keep records of all costs caused by the initial incident, in addition to any resultant costs, including but not limited to the following:
These additional costs are covered only when directly resulting from the winds. If a hole is created in the roof of your home by a repairman attempting to fix the initial damage due to wind, and a rainstorm comes and causes water damage to the interior of your home, the insurance company may not cover it as it was a result of the repairman’s actions and not directly caused by the wind damage. However, if the water damage is caused by negligence on the repairman’s behalf, it may be covered by the contractor’s general liability insurance policy. Every case is unique and only an experienced Fairfield accident lawyer can advise you on the best legal action.
Some damages from windstorms may not be initially obvious – check the following after serious storms that carry the potential for wind damage:
Important questions to ask your insurance representative when filing a claim:
When the claims adjuster visits your home, he or she will assess the severity of the damage, inform you of the materials and labor necessary to fix the damage, and determine how much money you should receive due to the damage.
It’s not a bad idea to have an independent company assess the damage, especially if you feel your claims adjustor did not complete a thorough investigation or feel your insurance company has not properly accounted for the costs of repair. And it’s always a great idea to consult with a Fairfield accident lawyer.
If there is an issue with the insurance company delaying, denying, or underpaying a claim, you can file an insurance bad faith lawsuit.
It is important to keep this option in mind from the beginning – you’ll want to keep close records of all correspondence with the insurance company, and the times of such correspondence. There is a time limit for filing an insurance bad faith lawsuit – the suit must be filed within a year of the initial damage.
If you have sustained serious wind damage to your home or other property, and someone has been hurt as a result, you should consult with a Fairfield accident lawyer immediately. An experienced attorney will be able to properly deal with the insurance company for you and help get you the compensation you deserve. If you have already gone through the claims process and feel cheated, we can help ensure your case is reviewed and responsible parties are held accountable.
Have you or someone you know been injured or had property damaged due to dangerous winds? Contact a Fairfield accident lawyer for a free consultation. You may be entitled to compensation.
This is my second time hiring Mr. Choyce for my son, who was charged with a criminal act. Both times that I hired Mr. Choyce, I was very impressed with his knowledge of the law, his professionalism, and the fact that he was relatable. He is trustworthy, tells you the truth about what you are facing. He is organized, he is a very good listener, came up with strategies that were appealing.I can’t say enough good about Mr. Choyce! I knew that he was going to give my son’s case everything he had, and he did!
Hiring the Choyce Law Firm was the best decision I made while trying to decide what to do after getting charged with a 3rd DUI. I tried to use a lawyer that I had previously used when in trouble with the law, he was near retirement and wasn’t able to give my case the attention I was looking for understanding that I was facing jail time. When contacting Mr Choyce we discussed my case and he told me he could help, he even knew my previous attorney. Mr Choyce was aggressive in fighting my case with filing motions on my behalf an trying to get my case dismissed, I was very pleased that he was not just looking to get the first deal the D.A. offered but was aggressively trying to win my case. Although we were not able to get the dismissal we were looking for he was able to keep me out of jail an I was able to serve my sentence on the EHD Program, which allowed me to keep my job an that was very important to me. Mr Choyce also handled a second case for me, I was charged with driving on a suspended license and no registration. Once again Mr Choyce was aggressive with this case and took it to trail an was able to get a not guilty verdict, which saved me a great deal of money in fines that would be pending with a guilty verdict. Overall hiring Mr Choyce and his team was the best decision I made, he provided great service at a respectable rate, an explained things as they were happening and with the charges I was facing I was very happy with the outcome of my cases that he handled. I would strongly recommend Mr Choyce and his team to anyone I know that needs legal representation he knows the law and will provide you with the best service you could hope for form a lawyer that wants to win.
“This is my second time using Mr. Choyce, and I would choose no one other than him. Both times that I hired him, it was for my son, and they were very serious cases. Mr. Choyce is smart, professional, practical, and relatable. He is a serious person, who listens, speaks in laymens terms, so that you understand what is going on. Not like some that I have experience, who talk over you, and dont take the time to really answer your questions.The second case got very close to going to trial, however, I was confident that I had the best of the best representing my son. Thank God that after willing to go to trial, we got a deal that, I think was a win win.I would definitely, without a question, hire Mr. Choyce again!”
Car accidents are already a very stressful and difficult time for anyone to go through. If you were involved in an accident, suffered severe injuries, high medical bills, lost wages at work and property damage, the person at fault should be obligated to pay for it. However, imagine, if the other person who was at fault, didn’t have any insurance!
California has a mandatory insurance law, mandating everyone to have automobile insurance if they plan on driving a motorized vehicle on public roads. Unfortunately, many irresponsible motorists remain on the road without any automobile insurance.Resulting in an inability to pay for damages when being at fault of an accident. Even though the law requires it, there are those who are uninsured or underinsured and it’s important you contact a personal injury attorney in Fairfield for legal help immediately if you’ve been a victim of an underinsured motorist accident.
There are around 4.1 million drivers in California that are uninsured! Meaning, half of all accidents in California may involve at least one uninsured or underinsured motorist. The first thing you need to do if you’ve been involved in any type of accident, is seek medical attention if you’ve been hurt badly. Next, you need to figure out if you carry uninsured motorist coverage, and if it applies to your case. An attorney would be best to give you advice here.
“Uninsured motorist” coverage refers to protection in the event that a negligent vehicle operator without any insurance at all causes injury to the person who owns that coverage. It provides the same type of protection in cases where a negligent person does not have enough of their own auto insurance coverage to pay for all of the damages sustained by the insured person who owns the underinsured motorist coverage.
Make sure to contact an experienced personal injury attorney in Fairfield who can help you. Every case is different, and it requires legal representation for best compensation.
Think of these types of cases as any other case in which you would be suing someone for negligent behavior. If you’ve suffered substantial losses, you can be compensated for:
This is my second time hiring Mr. Choyce for my son, who was charged with a criminal act. Both times that I hired Mr. Choyce, I was very impressed with his knowledge of the law, his professionalism, and the fact that he was relatable. He is trustworthy, tells you the truth about what you are facing. He is organized, he is a very good listener, came up with strategies that were appealing.I can’t say enough good about Mr. Choyce! I knew that he was going to give my son’s case everything he had, and he did!
Hiring the Choyce Law Firm was the best decision I made while trying to decide what to do after getting charged with a 3rd DUI. I tried to use a lawyer that I had previously used when in trouble with the law, he was near retirement and wasn’t able to give my case the attention I was looking for understanding that I was facing jail time. When contacting Mr Choyce we discussed my case and he told me he could help, he even knew my previous attorney. Mr Choyce was aggressive in fighting my case with filing motions on my behalf an trying to get my case dismissed, I was very pleased that he was not just looking to get the first deal the D.A. offered but was aggressively trying to win my case. Although we were not able to get the dismissal we were looking for he was able to keep me out of jail an I was able to serve my sentence on the EHD Program, which allowed me to keep my job an that was very important to me. Mr Choyce also handled a second case for me, I was charged with driving on a suspended license and no registration. Once again Mr Choyce was aggressive with this case and took it to trail an was able to get a not guilty verdict, which saved me a great deal of money in fines that would be pending with a guilty verdict. Overall hiring Mr Choyce and his team was the best decision I made, he provided great service at a respectable rate, an explained things as they were happening and with the charges I was facing I was very happy with the outcome of my cases that he handled. I would strongly recommend Mr Choyce and his team to anyone I know that needs legal representation he knows the law and will provide you with the best service you could hope for form a lawyer that wants to win.
“This is my second time using Mr. Choyce, and I would choose no one other than him. Both times that I hired him, it was for my son, and they were very serious cases. Mr. Choyce is smart, professional, practical, and relatable. He is a serious person, who listens, speaks in laymens terms, so that you understand what is going on. Not like some that I have experience, who talk over you, and dont take the time to really answer your questions.The second case got very close to going to trial, however, I was confident that I had the best of the best representing my son. Thank God that after willing to go to trial, we got a deal that, I think was a win win.I would definitely, without a question, hire Mr. Choyce again!”