California Auto Insurance Policies

California Auto Insurance Policies

California Auto Insurance Policies

Understanding California automobile insurance policies is essential—not just to stay legal, but to protect yourself financially in case of an accident. Many drivers don’t realize how quickly insurance limits can be maxed out, especially when multiple people are injured. That’s why knowing the difference between per person, per occurrence, and aggregate limits could make or break your financial future.

Key Takeaways

  • California law requires all drivers to carry minimum liability insurance.
  • Auto insurance has three common limit types: aggregate, per occurrence, and per person.
  • Insurance may not cover all damages in serious or multi-party accidents.
  • An experienced Sacramento injury attorney can help you recover full compensation.

California Auto Insurance Minimum Requirements

In California, the law mandates that every driver carry at least the following minimum liability coverage:

  • $15,000 for bodily injury or death to one person
  • $30,000 for bodily injury or death to more than one person
  • $5,000 for property damage

While these amounts meet the legal requirements, they may not be enough if you’re involved in a serious accident. That’s why it’s critical to understand how your insurance policy works—and when you might need legal help.

What Is an Aggregate Limit?

An aggregate limit is the total amount your insurance policy will pay out over the course of a policy period, typically one year.

Example: If your policy has a $1,000,000 aggregate limit and you’re in two accidents—one in January with $800,000 in damages and another in July with $500,000 in damages—your insurance will only pay $200,000 toward the second accident. Why? Because you’ve already used $800,000 of your $1,000,000 limit.

What Is a Per Occurrence Limit?

A per occurrence limit is the maximum your policy will pay for a single accident, regardless of how many people are involved or the extent of the damage.

Example: Let’s say your policy has a $300,000 per occurrence limit. If you cause a 10-car pile-up that results in $1,000,000 in total damages, your policy will only pay a maximum of $300,000. That amount may be split among multiple injured parties based on the insurer’s discretion.

What Is a Per Person Limit?

A per person limit caps the amount your policy will pay to any single individual injured in an accident.

Example: In the same 10-car pile-up, two people suffer major injuries with medical bills of $300,000 each. If your per person limit is only $50,000, then each of those individuals can only recover up to $50,000 from your policy—regardless of their actual losses.

Why Insurance Coverage Often Falls Short

Insurance companies are in business to protect their own bottom line, not necessarily to fully compensate accident victims. When insurance limits are too low, the injured party may seek damages directly from your personal assets—or you may not get enough to cover your own medical bills if you’re the victim.

This is where having a knowledgeable injury attorney can make a major difference.

A Sacramento Injury Attorney Can Help Get You the Compensation You Deserve

If you’ve been injured in a car accident in Sacramento, don’t go up against the insurance companies alone. Even if you’re unsure who was at fault or didn’t collect all the right information at the scene, The Choyce Law Firm can help.

Our experienced legal team knows how to navigate complex personal injury claims, negotiate with insurers, and secure the maximum payout available for your damages.

Call a Sacramento Car Accident Lawyer Today

One of the best ways to protect yourself after an accident is to get trusted legal representation. At The Choyce Law Firm, our Sacramento injury attorney has years of experience handling auto accident claims—and we don’t get paid unless we win your case.

Call us today at (916) 306-0636 for a FREE consultation.
We’ll handle the legal burden so you can focus on healing.

The Choyce Law Firm
1438 Del Paso Blvd
Sacramento, CA 95815
(916) 306-0636

TELL US ABOUT YOUR CASE

REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

    YOUR PRIVACY IS
    IMPORTANT US

    • JACQUELINE SWINSON
      img

      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!

    • JAMES CRAFT
      DUI Defense Client
      img

      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.

    • JACQUELINE R.
      Personal Injury Client
      img

      “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!”

    SEE ADDITIONAL TESTIMONIALS

    TELL US ABOUT YOUR CASE

    REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

      YOUR PRIVACY IS
      IMPORTANT US

      How Long Does the Insurance Company Have to Respond to My Claim

      Accident Attorney in Sacramento CA

      Accident Attorney in Sacramento CA

      How Long Does the Insurance Company Have to Respond to My Claim?

      Filing an insurance claim can be a stressful and uncertain process, especially when you’re dealing with injuries, property damage, or other unexpected losses. One of the most pressing questions many people have is, “How long will it take for the insurance company to respond?” While the timeline for response can vary depending on the type of claim, your location, and the insurer’s policies, there are laws in place to ensure insurance companies handle claims in a timely and fair manner. Understanding these timelines is critical to managing expectations and taking the right steps to protect your rights. In this post, we’ll break down what to expect, the legal requirements for insurers, and what you can do if your claim is delayed or denied.

      Explanation of Insurance Company Response Timelines

      When filing an insurance claim, understanding the timelines insurers must follow can help you manage expectations and ensure they are acting within their legal obligations. While these timeframes can vary by state and type of insurance, they are designed to ensure claims are handled promptly and fairly.

      Key Timeframes to Know

      Insurance companies generally follow a structured process when handling claims, with specific deadlines at each stage:

      Acknowledgment of the Claim

      • Insurers are required to acknowledge the receipt of your claim within a set period.
      • In California, this is typically 15 calendar days from when the claim is filed. During this time, the insurer must contact you to confirm they have received your claim and begin the claims process.

      Investigation of the Claim

      • After acknowledging the claim, the insurer begins its investigation. This involves gathering relevant documents, assessing the damage, and reviewing your policy to determine coverage.
      • While there is no universal deadline for completing an investigation, insurers must act promptly and in good faith. Delays without valid reasons can constitute bad faith practices.

      Acceptance or Denial of the Claim

      • Once the investigation is complete and the necessary information has been reviewed, the insurer must decide whether to accept or deny the claim.
      • In California, insurers are required to make this determination within 40 calendar days of receiving all the necessary information.

      Issuing Payment (if applicable)

      • If the claim is approved, the insurance company must issue payment promptly. In many states, including California, this is typically within 30 days after the claim is approved.

      California-Specific Requirements

      California has some of the strictest regulations to protect policyholders. Under the California Fair Claims Settlement Practices Regulations, insurers must:

      • Acknowledge receipt of a claim within 15 days.
      • Provide the necessary claim forms or instructions within 15 days.
      • Accept or deny a claim within 40 days after receiving all necessary documentation.
      • Provide written updates every 30 days if the claim investigation is ongoing.

      These timelines ensure that claims are handled in a timely manner and that policyholders are kept informed throughout the process.

      What Happens If an Insurer Misses a Deadline?

      If an insurer fails to meet these deadlines, it could be a violation of state law. You may have the right to file a complaint with your state’s insurance regulatory agency or consult an attorney to explore potential legal action for bad faith practices.

      Understanding these timeframes empowers you to hold insurance companies accountable and ensures that you receive the attention and resolution you deserve. If you’re facing delays or challenges with your claim, seeking legal guidance can help you navigate the process effectively.

      Contact Accident Lawyer in Sacramento

      If you have been injured in a car, truck or motorcycle accident due to the negligence of another, regardless of the nature of the underlying accident, it is important to contact experienced Sacramento auto accident attorney at The Choyce Law Firm to discuss your legal options. We have offices in Sacramento & Fairfield, CA for your convenience and have the resources and expertise to aggressively litigate your case in court, fighting to get you just compensation for your injury.

      Call (916) 306-0636 today for a free consultation with our car accident lawyer in Sacramento regarding your injury case.

      The Choyce Law Firm
      1438 Del Paso Blvd
      Sacramento, CA 95815
      (916) 306-0636

      TELL US ABOUT YOUR CASE

      REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

        YOUR PRIVACY IS
        IMPORTANT US

        • JACQUELINE SWINSON
          img

          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!

        • JAMES CRAFT
          DUI Defense Client
          img

          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.

        • JACQUELINE R.
          Personal Injury Client
          img

          “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!”

        SEE ADDITIONAL TESTIMONIALS

        TELL US ABOUT YOUR CASE

        REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

          YOUR PRIVACY IS
          IMPORTANT US

          UMBRELLA INSURANCE POLICY

          SACRAMENTO INJURY LAWYER

          Sacramento Injury Lawyer

          UMBRELLA INSURANCE – HOW IT WORKS & WHAT IT COVERS

          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.

          • One umbrella policy can be written over multiple lines of insurance, and many homeowners have umbrella policies that simultaneously provide excess coverage for their homeowners and automotive policies.
          • Your umbrella policy limits will remain untouched until the underlying insurance policy has reached its maximum limits, and most insurance companies will not allow the addition of an umbrella policy until you have purchased the recommended limits on your underlying insurance policy.
          • For most insurance companies, this will mean that you need to have $1,000,000 liability limits on your homeowners policy to qualify for the purchase of an umbrella policy.

          Why Have an Umbrella Policy?

          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 Sacramento 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.

          Sacramento injury lawyer at this law firm has been fighting the insurance companies for years and are experts in the field. Call us for a free consultation today!

          Call Sacramento injury lawyer

          If you have been injured in a car, truck or motorcycle accident due to the negligence of another, regardless of the nature of the underlying accident, it is important to contact an experienced Sacramento injury lawyer at The Choyce Law Firm to discuss your legal options. We have offices in Sacramento & Fairfield, CA for your convenience and have the resources and expertise to aggressively litigate your case in court, fighting to get you just compensation for your injury.
           
          Call (916) 306-0636 today for a free consultation with our Sacramento injury lawyer regarding your auto accident injury case.

          TELL US ABOUT YOUR CASE

          REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

            YOUR PRIVACY IS
            IMPORTANT US

            • JACQUELINE SWINSON
              img

              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!

            • JAMES CRAFT
              DUI Defense Client
              img

              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.

            • JACQUELINE R.
              Personal Injury Client
              img

              “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!”

            SEE ADDITIONAL TESTIMONIALS

            TELL US ABOUT YOUR CASE

            REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

              YOUR PRIVACY IS
              IMPORTANT US

              INSURANCE CLAIM FOR WIND DAMAGE

              Sacramento accident lawyer

              California Insurance Policies For High Winds

              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 Sacramento 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:

              • Temporary fixes
              • Emergency relocation
              • Water damage due to the initial wind damage
              • Debris removal

              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 Sacramento 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:

              • Test all faucets and check for leaks
              • Open all cabinet doors to check for damage to plumbing
              • Flush all toilets and check for leaks
              • If any parts of your roof are readily visible, check for “pockmark” dents from hail
              • Check for hail damage to other metal surfaces of the home, for example an air conditioning unit
              • Check your walls and foundation for cracks – especially around windows and doors
              • Check to see if your floors are still level – if not, this could indicate a shifting in your foundation
              • Keep an eye out in the days following a severe wind and hailstorm for water stains and yellowing in the walls and ceiling of your home – this could indicate hidden structural damage

              Important questions to ask your insurance representative when filing a claim:

              • Is my specific property covered under my insurance?
              • Should I get estimates on the cost of repairs or replacements necessary?
              • When can I expect my claim to be processed and approved?
              • What is my deductible? How much needs to be paid out of pocket before coverage is triggered?

              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 Sacramento accident lawyer.

              Insurance Bad Faith Lawsuit

              If there is an issue with the insurance company delaying, denying, or underpaying a claim, you can file an insurance bad faith lawsuit.

              • In addition to the original claim, , the plaintiff may receive additional damages including emotional distress, economic loss (if the property is related to the plaintiff’s manner of income), and punitive damages (to punish the insurance company)

              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 Sacramento 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.

              Call The Choyce Law Firm For Legal Advice

              Have you or someone you know been injured or had property damaged due to dangerous winds? Contact a Sacramento accident lawyer for a free consultation. You may be entitled to compensation.

              TELL US ABOUT YOUR CASE

              REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

                YOUR PRIVACY IS
                IMPORTANT US

                • JACQUELINE SWINSON
                  img

                  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!

                • JAMES CRAFT
                  DUI Defense Client
                  img

                  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.

                • JACQUELINE R.
                  Personal Injury Client
                  img

                  “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!”

                SEE ADDITIONAL TESTIMONIALS

                TELL US ABOUT YOUR CASE

                REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

                  YOUR PRIVACY IS
                  IMPORTANT US

                  MAXIMIZING YOUR INSURANCE CLAIM AFTER A CAR ACCIDENT

                  SACRAMENTO PERSONAL INJURY LAWYER

                  Sacramento Personal Injury Lawyer

                  Protecting Your Rights and Securing Fair Compensation

                  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:

                  • Seek legal advice. It is important to fully understand your rights. Don’t sign any releases or waivers without legal help of a skilled Sacramento personal injury lawyer.
                  • Don’t take the first offer. When bills pile up after an incident, it’s tempting to take the first offer that’s presented. Try to be patient and find ways to cover your expenses while you negotiate. There are several options for covering medical costs after a car accident or other incident. Most settlements are decided after quite a bit of negotiation, another reason it’s nice to have legal representation.
                  • Reach out to the insurance company as soon as possible. Don’t delay after the accident – it’s important to establish communication as early as possible. If you can, call the insurance company before seeking medical care (so long as it isn’t an emergency, of course).
                  • Maintain an honest and professional manner towards the insurance company throughout the entire process. Getting upset and saying inappropriate things can make it harder for you to have a positive relationship during the process and may affect negotiations. Lying can result in the denial of a claim and even a cancellation of your insurance policy.
                  • When submitting a request of any kind, e.g. for policy explanations, be sure to do so in writing. Be clear in what you are requesting. There are rules by which the insurance company must follow such as time limits and completion of requests.
                  • Submit all complaints in writing and in professional or courteous language. Also be sure to send it to the relevant individual who may address your concern such as a Sacramento personal injury lawyer.
                  • Through insurance representatives may seem friendly and pleasant, do not let that get your guard down. They do not intend to be your friend and usually do not intend to give you as much financial aid as you may think you deserve. Always communicate in a courteous manner, even if they are unfriendly or hostile.
                  • Understand that this is a business negotiation. Insurance representatives speak on behalf of their company – usually large, powerful, and absolutely for profit. The aim of all insurance companies is to provide the least payout in order to maximize profits.
                  • Keep track of all expenses related to the incident. Write down any levels of pain, if possible. Keep a diary of any emotional turmoil. Keep track of any spending or costs of travel associated with the incident in question. Keep all receipts and take pictures or videos whenever possible.
                  • Be sure to keep track of all time limits under the policy. Policies often have a one year limit to initiate legal action if a settlement can not be reached.
                  • Look for all possible sources of coverage. You may have homeowners insurance or credit cards that provide policies with some amount of coverage.
                  • In some cases, insurance companies go so far as to not represent their policyholders’ best interests. They may even deny an insurance claim in bad faith, meaning they do not properly investigate, do not recognize the claim at all, or act inappropriately and fail in their duty to the policyholder in some other way. Policyholders are usually at a disadvantage in these situations because it takes an in-depth understanding of insurance law and your specific policy to know whether or not the insurance company is treating you fairly.

                  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 Benefits of Hiring an Experienced Personal Injury Lawyer

                  When you choose to work with an experienced Sacramento personal injury lawyer, you’re not just hiring a legal representative; you’re securing a partner who will advocate for your best interests every step of the way. Here are a few reasons why partnering with us can make a significant difference in the outcome of your case:

                  • Expertise in Personal Injury Law: We have a deep understanding of California’s personal injury laws and how they apply to auto accident cases. This knowledge allows us to build strong cases on behalf of our clients, ensuring that all legal avenues for compensation are explored.
                  • Negotiation Skills: We possess the negotiation skills needed to deal with insurance companies effectively. Our goal is to ensure that you’re compensated fairly for your injuries, which includes reimbursement for medical expenses, lost wages, and compensation for pain and suffering.
                  • No Upfront Costs: We operate on a contingency fee basis, meaning you won’t owe us anything unless we win your case. This allows you to focus on your recovery without worrying about legal fees.
                  • Peace of Mind: By handling all the legal details of your case, we provide you with the peace of mind needed to focus on your recovery. We’ll keep you informed throughout the process, ensuring that you’re never left in the dark about the status of your case.

                  The Steps to Take After an Auto Accident

                  Following an auto accident, there are several steps you should take to protect your legal rights and strengthen your case:

                  • Seek Medical Attention: Your health is the top priority. Even if you feel fine, some injuries may not be immediately apparent. A thorough medical examination can identify hidden injuries and provide a medical record that links your injuries to the accident.
                  • Report the Accident: Report the accident to the police and ensure a police report is filed. This report will serve as an important piece of evidence in your case.
                  • Document Everything: Take photos of the accident scene, your injuries, and any damages to your vehicle. Collect names and contact information of witnesses. Keep a record of all medical treatments and any related expenses.
                  • Do Not Speak to the Other Party’s Insurance Company: It’s important not to make any statements or accept any offers from the other party’s insurance company without consulting with your lawyer first.
                  • Consult with a Sacramento Personal Injury Lawyer: Contacting an experienced personal injury lawyer as soon as possible after your accident is crucial. We can guide you through the process, protect your rights, and ensure that you are taking the right steps towards securing the compensation you deserve.

                  Contact Automobile Accident Lawyer in Sacramento

                  If you or a loved one has been injured in a car accident due to the negligence of another, don’t navigate this challenging time alone. The Choyce Law Firm is here to provide the legal support and guidance you need. With our experienced Sacramento personal injury lawyers by your side, you can rest assured that your case is in capable hands. We’re committed to fighting for the justice and compensation you deserve.
                   
                  Don’t let the insurance companies dictate the outcome of your case. Contact The Choyce Law Firm today at (916) 306-0636 to schedule a consultation. Let us take on the legal burden so you can focus on your recovery. Together, we can work towards securing a future that reflects the compensation and justice you rightfully deserve.

                  TELL US ABOUT YOUR CASE

                  REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

                    YOUR PRIVACY IS
                    IMPORTANT US

                    • JACQUELINE SWINSON
                      img

                      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!

                    • JAMES CRAFT
                      DUI Defense Client
                      img

                      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.

                    • JACQUELINE R.
                      Personal Injury Client
                      img

                      “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!”

                    SEE ADDITIONAL TESTIMONIALS

                    TELL US ABOUT YOUR CASE

                    REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

                      YOUR PRIVACY IS
                      IMPORTANT US

                      ACCIDENT WITH UNINSURED MOTORISTS

                      car accident lawyer in sacramento

                      car accident lawyer in sacramento

                      Helping Car Accident Victims with Uninsured & Underinsured Motorist Claims

                      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 Sacramento for legal help immediately if you’ve been a victim of an underinsured motorist accident.

                      What to do if you’re hit by an uninsured motorist in California

                      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. Car accident lawyer in Sacramento at The Choyce Law Firm 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.

                      Some things you need to know about uninsured motorist coverage:

                      • It will only provide you with coverage if you are not at fault for the accident
                      • Coverage can come from the same insurance company you use for your liability coverage
                      • A claim must be filed with your insurance company within two years
                      • Insurance companies are prohibited by law from offering less coverage and less protection than is required by California’s statute
                      • Protection is extended to the “insured” person, not just the vehicle. That means you are protected if you are hit while walking, riding a bicycle or motorcycle
                      • There are various exemptions to the law, but in the vast majority of situations, if you have uninsured or underinsured motorist coverage, you will be protected against the negligent acts of those uninsured.

                      Make sure to contact an experienced personal injury attorney in Sacramento 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:

                      • Medical bills
                      • Loss of earnings
                      • Loss of earning capacity
                      • Daily suffering
                      • Physical injuries
                      • Emotional distress
                      • Loss of enjoyment of life
                      • Contact a personal injury attorney in Sacramento immediately for help.

                      Call car accident lawyer in sacramento

                      If you have been injured in a car, truck or motorcycle accident due to the negligence of another, regardless of the nature of the underlying accident, it is important to contact experienced auto accident lawyers in Sacramento at The Choyce Law Firm to discuss your legal options. We have offices in Sacramento & Fairfield, CA for your convenience and have the resources and expertise to aggressively litigate your case in court, fighting to get you just compensation for your injury.

                      Call (916) 306-0636 today for a free consultation with our car accident lawyer in Sacramento regarding your injury case.

                      TELL US ABOUT YOUR CASE

                      REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

                        YOUR PRIVACY IS
                        IMPORTANT US

                        • JACQUELINE SWINSON
                          img

                          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!

                        • JAMES CRAFT
                          DUI Defense Client
                          img

                          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.

                        • JACQUELINE R.
                          Personal Injury Client
                          img

                          “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!”

                        SEE ADDITIONAL TESTIMONIALS

                        TELL US ABOUT YOUR CASE

                        REQUEST YOUR FREE, NO-OBLIGATION CONSULTATION WITH AN ATTORNEY

                          YOUR PRIVACY IS
                          IMPORTANT US