Will My Insurance Cover Me If I Drive Someone Else’s Car in California?

Every vehicle in California is required to be covered by insurance. Insurance is there to pay for damages and injuries if a car is involved in an accident, and it is against the law for any vehicle to be on the road without insurance. Drivers tend to borrow cars from each other, which means the question of whose insurance covers what comes up often. If you borrow cars often, you may ask, “Will my insurance cover me if I drive someone else’s car in California”.

Does Your Insurance Cover You If You Drive Someone Else’s Car in California?

No, it does not. Many people are perplexed to hear that because it implies they are left without coverage unless they always drive their vehicles. This is not the case. Let us explain.

Insurance in California follows the vehicle, not the driver. This means you will be covered by the same insurance that covers the car if you drive a friend’s car in California. The insurance company will cover everything they typically do when the owner is behind the wheel.

However, there are a few exceptions you should know about before driving someone else’s car or getting into an accident that necessitates a visit to the hospital and a call to a vehicle accident lawyer.

When Can an Insurance Company Refuse to Give You Coverage?

While people expect insurance companies to pay every policy, they cannot do that because they are in business and need to make money. This is one of the reasons they have additional policies besides the main policies. These are the exceptions for when they cannot provide coverage.

The first situation where they will deny coverage if you get into an accident when driving another person’s car is if you are not the permissive driver. In California, the permissive driver needs explicit permission from the owner to drive their car.

It happens a lot with families where someone takes a loved one’s car and gets into an accident. In that situation, they are not the car’s owner and not the permissive driver, so insurance will deny coverage.

The second situation is if you are explicitly excluded from the policy. This applies regardless of whether you are the permissive driver or not.

The third situation is if you do not have a driver’s license. Insurance companies require that all vehicle owners do their due diligence before handing out the cars to their cars. They should know whether the driver has a driver’s license and whether they are authorized to drive.

The third is if you get into an accident when breaking the law. For example, someone might get into an accident because they were speeding or driving under the influence. The insurance company will deny coverage in that situation because the driver put himself and others in danger, and they cannot be seen to encourage that behavior by covering accidents that occur in those situations.

The best thing you can do if an insurance provider denies your claim if you were not breaking the law at the time of the accident is to contact a car accident lawyer Bakersfield CA. They will help you explain how the accident happened and establish liability so the other party’s insurance provider pays for your injuries and the resulting damages.

Driving without Car Insurance

California law says you need insurance or proof of financial responsibility to drive in the state. You and the vehicle’s owner both need insurance to drive legally even if the insurance follows the vehicle and your insurance will not cover you when you get into an accident when driving someone else’s car.

Another important thing to understand is that any tickets you get will apply to your record and not the vehicle owner. For example, you will have to pay for any speeding fines or other fines and tickets.

The Ramifications of Insurance Claims

When you get into an accident, you are covered by the vehicle’s insurance. You can also file a personal injury claim with the help of a car accident attorney Bakersfield CA to recover damages if the accident is due to another person’s negligence or actions.

Even if you are the one who will benefit from the settlement or award, the vehicle’s owner will have to deal with higher insurance premiums after making the claim. The reason is that insurance companies see you as a liability and high-risk policyholder if you let people who get into accidents drive your vehicle.

What If You Drive a Family Member’s Vehicle?

Many people assume they are covered if they live with the policyholder or are their relative. This is false. You are not covered unless you are listed on their insurance policy.

Another way to get coverage is if they make you a permissive driver. You will have to pursue a personal injury claim with the help of the best car accident attorneys to recover damages if you are not covered.

Also, only household members with legal driving licenses and those listed on the insurance policy can make an insurance claim. This means you will have to call the vehicle owner to do it and pursue damages on your own through a road accident lawyer.

Getting a Non-owner Car Insurance

If you do not own a vehicle but borrow cars regularly, you can get non-owner car insurance. It will provide you with the same coverage as you would get from your vehicle’s insurance but will be under your control and come with the same ramifications of getting into an accident as having typical car insurance does.

Dealing with the aftermath of a car accident is already challenging enough, but things get even more confusing if you get into one when driving a vehicle owned by someone else. While you will be covered by their car insurance, there are exceptions you should know about to ensure you do not get into a difficult situation if this happens. You can still pursue personal injury claims against the responsible party, though; you just need to contact a road accident attorney from our firm so we can assist you with this. Contact Karns & Karns Personal Injury and Accident Attorneys today to see where you stand.

Nevada: All You Need to Know About What Is Vicarious Liability in Insurance?

When most people think of people being held liable by the law in Nevada, they typically think of the law holding them accountable for their own actions. However, there are cases where a party could be held liable for the actions of another. Understanding how this could happen, and the circumstances in which it can happen, is crucial for protecting yourself in situations like this. It could also be important when talking to a vehicle accident lawyer or personal injury accident lawyer who you want to represent you and show you are not liable in a lawsuit.

Understanding Vicarious Liability

Vicarious liability is a legal term that stands for a legal doctrine where one party is legally liable or accountable for the actions of another. In Nevada, this means you can, for example, be liable for a car accident even if you were not driving at the time of the accident.

Vicarious liability can also arise when a corporation or business can direct or control the actions of another or another person. For example, a business could be liable if a personal injury attorney represents a client injured inside a business if an employee does not indicate the floor is wet, and the client gets injured in a slip and fall accident.

It can also apply in cases of parent-child relationships. In such cases, parents are liable if their children engage in willful misconduct. It is important to understand that the civil cause of action resulting from such misconduct is different from one considered under Nevada’s criminal laws covering child endangerment or neglect.

When Does Vicarious Liability Apply in Businesses?

There are several circumstances under which a business can be held liable for the actions of a specific person, especially their employees. One of these is covered under Nevada’s negligent entrustment law. The business can be liable if it allows employees to access potentially dangerous items, such as business vehicles.

Nevada also has laws governing negligent hiring, supervision and retention laws. These apply if a business fails to conduct reasonable background checks on its employees, hires employees it should have known or knew were dangerous, retains an employee who is dangerous, or fails to provide adequate supervision for employees handling potentially dangerous tasks.

Lastly, Nevada has respondeat superior laws. These cover an employer’s responsibility over the actions of their employees. They apply when the employee is under the direct control of the business (defendant) or if they were acting within the scope of their employment.

The most common example is nightclub security guards who become aggressive and injure patrons. In such cases, the security company can be held liable because such guards are deemed to be acting within the scope of their employment.

Even though businesses are liable in these cases, they can protect themselves and save a lot of money in settlements and compensation by getting vicarious liability insurance.

What Is Vicarious Liability in Insurance in Nevada?

Businesses are required by law to carry different types of insurance. Some of the most common types include general liability, errors and omissions, and umbrella insurance. The latter is useful because it covers everything not covered by general liability insurance.

By getting liability insurance that covers all incidences, businesses can protect themselves and their bottom lines from the oversights, mistakes, and actions of others.

Even though many insurance companies are fair in their coverage, some operate in bad faith where they refuse to step up and take care of businesses they insure.

Understanding Insurance Bad Faith and What to Do

Because businesses are liable for accidents and incidents on their premises and the actions of their employees as discussed above, they rely on their insurance to bail them out in case something happens.

Unfortunately, dealing with insurance companies is not always straightforward, and they may let you down when you need them the most. If they do, you should call an insurance bad faith lawyer immediately. Our attorneys at Karns & Karns Personal Injury and Accident Attorneys can help you handle such incidences and get the coverage you deserve.

Bad Faith Insurance Recovery

When vicarious liability applies in personal injury, pedestrian, car, and construction site accidents, some insurance companies may deny or delay coverage because they feel their client is not the one making the claim.

An insurance bad faith attorney Nevada can help resolve the matter quickly or even help you hold the insurance company liable. However, it is still good practice to research different insurance companies before signing with them to ensure they do not engage in such practices. Doing this will help you avoid a lot of headaches in the future.

Vicarious Liability and Malicious Intent

For an insurance company to cover vicarious liability or the victim to receive compensation, they must show the other party is liable. However, they are not required to show malicious intent in cases of vicarious liability.

Accidents happen, and that is understandable. But who foots the heavy medical bills, loss of income, and other damages suffered due to the personal injury? Vicarious liability laws help victims get the compensation and justice they deserve.

Vicarious Liability and Independent Contractors

Businesses work with independent contractors for a variety of reasons. Perhaps they need experts in specific areas or would not want to hire someone to handle these tasks. A reason many people do not consider is to avoid exposure to vicarious liability.

While in most cases the business, considered the principal, is responsible for the work of independent contractors, there are situations where businesses can pass liability to them. Such incidents include when you hire contractors for tasks that the law requires you complete yourself, you hire them to complete projects that would otherwise be dangerous to others, or when you are negligent by hiring contractors who are not qualified.

Regardless, you should always hire a personal injury attorney to represent you in case anything happens so you can use vicarious liability laws to protect yourself and your business.

Vicarious liability goes against what many people think about the primary party being held liable. It allows secondary parties to be held liable depending on their actions and how they contributed to an incident. Regardless of the incident, you should always hire a personal injury accident attorney from Karns & Karns Personal Injury and Accident Attorneys so they can help you determine who is liable.

Will My Insurance Cover Me If I Drive Someone Else’s Car in Nevada?

Borrowing a car from a family member or friend may seem like a simple transaction – until you have an accident in their vehicle. Nevada’s car-based insurance system offers primary coverage from the car’s policy, but permission, named drivers, and policy limits are where things get a little tricky. Below, we explore Nevada’s car insurance laws, how they impact coverage when driving another car, and what steps you must take to ensure you’re properly insured.

Does Insurance Follow the Car or the Driver in Nevada?

Car insurance in Nevada follows the vehicle, not the driver. This means the primary source of coverage in an accident will likely be the insurance policy of the car owner, even if someone else is driving the car with permission. However, specific policy wording, driver eligibility, and coverage limits all need to be considered.

Understanding this concept is essential when determining who will be financially responsible if you get into an accident while driving someone else’s car. It’s important to note that “following the car” typically relates to liability insurance (property damage and bodily injury). Other coverage types like Personal Injury Protection may follow the driver.

The best way to know where you stand with insurance companies is to contact a car accident lawyer in Las Vegas NV.

Types of Insurance Coverage and How They Apply

Knowing the different types of insurance coverage is essential if you’re involved in an accident while driving someone else’s car. Here are the different types of coverage to be aware of:

  • Liability insurance. This is the primary coverage in Nevada, and it “follows the car”. It protects the owner of a vehicle from financial responsibility for bodily injuries or property damage caused to others in an accident, even if someone else was driving with permission.
  • Collision coverage. This coverage pays to replace or repair your vehicle if it’s damaged in a collision, regardless of fault. This type of cover only accounts for the vehicle listed on the policy – not vehicles you may drive with permission.
  • Comprehensive coverage. Like collision coverage, comprehensive cover protects the owner against damage from other events including theft, fire, vandalism, and certain weather events.
  • Non-owned auto coverage. This optional coverage offers some protection if you’re involved in an accident while driving someone else’s vehicle. The extent of coverage will depend on your chosen policy limits.
  • Personal injury protection (PIP). This is another optional coverage that helps to pay for medical expenses, irrespective of fault. If you’re driving someone else’s car, PIP can be crucial if your policy doesn’t extend liability coverage.

This offers a general overview of insurance coverage types in Nevada. However, specific policy wording can be complex. Speaking to a car accident attorney Las Vegas NV will guarantee a 100% understanding of your rights and options for compensation while driving someone else’s car.

Factors Influencing Coverage When Driving Another Car

Despite Nevada insurance coverage “following the car”, there are many factors that can influence the extent of coverage you have when driving someone else’s car. Aside from the type of coverage the vehicle owner has, the primary factor is having a permissive driver status, meaning you must be authorized by the owner to drive the vehicle when you get into an accident.

Driver eligibility is another consideration taken into account. Depending on the owner of the vehicle’s policy, there may be certain criteria that permissive drivers must meet. For example, they may need to be a certain age, have a valid driver’s license, and not have a history of major driving violations. If you don’t meet the eligibility criteria of the vehicle owner’s policy, your coverage options will be limited.

To avoid any confusion when making a claim following an accident in someone else’s car, contact a vehicle accident lawyer for advice.

Tips for Ensuring You’re Properly Insured When Borrowing a Car

Borrowing a car can be convenient, but understanding car insurance coverage can be confusing at best. Here are some general tips for ensuring you’re properly insured when buying a car in Nevada.

  1. Clear communication. Have a clear conversation with the vehicle owner to discuss reasons for using the car, insurance coverage, and any limitations surrounding permissive drivers.
  2. Review policy details. If possible, have a look over the vehicle owner’s insurance policy to verify specific coverage for permissive drivers.
  3. Check your insurance policy. Review your insurance policy for non-owned auto coverage. You can add this for peace of mind.
  4. If you borrow frequently, add yourself as a driver. Being added to the vehicle owner’s policy can provide more comprehensive cover, but only do this if you’re a frequent driver.
  5. Maintain a clear driving record. Having a spotless record makes you worthy of being added to someone else’s policy, and it could lower your insurance.
  6. Don’t assume coverage. Never assume you’ll be covered as a permissive driver. Take steps to ensure you have the necessary cover in place to avoid having to pay out of your own pockets.

What to Do After an Accident While Driving Someone Else’s Car in Nevada

If you’re involved in an accident while driving another person’s car in Nevada, the priority is ensuring your safety. Move the vehicle out of traffic, stand away from the road, check yourself for injuries, and call 911. You can now take photos of the scene, exchange information with other drivers, and collect witness details.

After being told you can leave by the police, have a medical assessment and maintain records.  At this point, we recommend contacting the owner of the car. Reassure them that you’ll work alongside their insurance company, but don’t admit fault. Even if you believe the other driver was at fault, it’s a good idea to inform your insurance company.

To help navigate the complexities of car accident claims while driving someone else’s vehicle, contact a road accident lawyer to discuss your rights and what steps to take next.

Now you can answer the burning question, “Will my insurance cover me if I drive someone else’s car in Nevada?”. For a free consultation, contact Karns & Karns Personal Injury and Accident Attorneys today.

Farmers Insurance Auto Insurance: A Guide to Claim Time Limits

If you’ve been in an auto accident and need to file a claim with Farmers Insurance, one of the most important things to be aware of is the time limit for doing so. Missing the deadline could mean losing out on the compensation you’re entitled to. In this guide, we’ll cover everything you need to know about Farmers Insurance auto claim time limits and how to ensure your claim is filed properly and promptly.

Understanding Farmers Insurance Claim Time Limits

Every insurance company has a window of time in which you’re allowed to report an accident and file a claim, and Farmers Insurance is no exception. The exact time limit can vary based on several factors:

  • The specific terms of your individual auto insurance policy with Farmers
  • The state you live in and where the accident occurred, as insurance regulations vary by state
  • The statute of limitations for personal injury and property damage claims in your state
  • The nature and severity of any injuries suffered in the accident
  • Extenuating circumstances that may warrant an extension of the standard time limit

In general, it’s always best to report an accident to Farmers and initiate the claims process as soon as possible after it occurs. Most standard Farmers Insurance auto policies require claims to be filed within a reasonable time, often 30-60 days, but the sooner you get the ball rolling, the better.

State Laws and Statutes of Limitations

One of the biggest factors impacting your Farmers Insurance claim deadline is the law in your state. Each state sets its own statute of limitations for personal injury and property damage lawsuits stemming from auto accidents. This is the time window you have to take legal action against the at-fault party.

For example, in California, the statute of limitations is 2 years for personal injury and 3 years for property damage. In Texas, it’s 2 years for both. If you need to sue the other driver for medical costs or vehicle repairs, you must do so within this timeframe even if you’re also filing a claim with Farmers.

Additionally, state laws dictate whether yours is a “fault” or “no-fault” state for auto insurance purposes. In no-fault states, your own insurance covers your medical expenses and lost wages after an accident, regardless of who was to blame. In fault-based states, the at-fault driver’s insurance is responsible for damages.

Some states have a mix of both systems. These laws impact what’s covered by your Farmers policy and what you can pursue from the other party. Your Farmers agent can clarify how state regulations affect your claim filing process.

Reporting the Accident

Regardless of anything else, you should always report any accident to law enforcement immediately. Not only is it legally required in most circumstances, but that police report will be essential documentation for your Farmers claim.

Most states mandate that an accident be reported to police within a set number of days if it results in injury, death, or property damage over a certain dollar amount. That deadline may be as short as 7-10 days or as long as 20-30 days post-accident. When in doubt, call 911 from the accident scene to get an officer on-site right away.

Prompt Medical Care Matters

Your health should always be the top priority after a crash. Even if you feel okay, it’s important to get checked out by a doctor as some injuries aren’t immediately apparent. This is crucial not only for your well-being, but also for your Farmers Insurance claim.

To get compensation for medical expenses, you’ll need thorough documentation of your injuries and treatments. The sooner you receive medical attention, the clearer it is that those injuries stemmed from the crash. If you wait too long, Farmers may argue your injuries aren’t accident-related.

Delaying treatment also risks pushing your claim past the filing deadline, as the extent of your injuries is a factor in determining that date. The more severe your injuries, the more time you may have, as you’ll need to reach maximum medical improvement (MMI) to know the appropriate settlement amount. However, starting the claims process and informing Farmers of your injuries right away is still important even if you’re undergoing extensive treatment.

Getting Vehicle Damage Assessed

The other key piece of your Farmers auto insurance claim is damage to your vehicle. It’s best to get the damage assessed by a certified repair shop as soon as possible. Farmers will likely want to send an adjuster to inspect the damage themselves before paying out on your claim.

Take plenty of photos of the damage before initiating repairs in case you need them as evidence for your claim or a lawsuit later. Get a detailed repair estimate in writing. Depending on the terms of your policy, Farmers may have a list of preferred auto body shops you’re required to use for repairs.

As with injuries, the severity of damage to your vehicle impacts your claim time limit. More extensive repairs will likely lead to a longer filing window, but don’t delay in gathering this key information for your claim.

What If I Miss the Claim Deadline?

If you miss the deadline for filing your Farmers Insurance auto claim, you may still have options, but acting quickly is key. Reach out to your Farmers agent right away to discuss the situation. If you have a legitimate reason for the delay, such as severe injuries that left you hospitalized, Farmers may make an exception to the deadline.

However, if your claim is denied for missing the filing cut-off, you’ll need to explore other legal avenues, like suing the at-fault driver. This is where that statute of limitations becomes key, as you’ll need to file your lawsuit by that date even if Farmers has rejected your claim.

How an Attorney Can Help

Navigating the claims process and legal aftermath of an auto accident can be overwhelming, especially if you’re dealing with injuries and property damage. This is where having an experienced attorney on your side makes all the difference.

If you’ve been in an accident and need assistance with your Farmers Insurance claim or exploring other compensation options, the legal team at Karns & Karns Personal Injury and Accident Attorneys is here to help. Our knowledgeable auto accident attorneys will review your case for free and advise you on the best path forward. We can communicate with Farmers on your behalf, ensure you meet all necessary deadlines, and fight for the maximum settlement you’re owed. If needed, we’ll file a lawsuit against the at-fault driver and advocate fiercely for you in court.

You don’t have to face this difficult time alone. Contact Karns & Karns Personal Injury and Accident Attorneys today to schedule your free consultation with one of our compassionate auto accident lawyers. We’re here to guide you every step of the way and ensure you get the compensation you deserve.

Auto Insurance’s Vital Shield: What You Need to Know About Personal Injury Protection (PIP)

If you’re involved in an auto accident and suffer injuries, your medical bills can pile up quickly. For many drivers, auto insurance is a financial safety net that can help with those unexpected costs. One coverage you should know about is personal injury protection or PIP. This vital shield can help soften the blow of mounting medical expenses and lost wages associated with your injuries.

What is Personal Injury Protection on Auto Insurance?

Personal injury protection, also called PIP or no-fault coverage, is a standard component of auto insurance policies in states where it is required. Not all states require PIP coverage. Currently, Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah require PIP coverage.  PIP coverage helps pay the costs associated with any injuries you and/or your passengers sustain in an accident regardless of who is at fault. This type of coverage falls under no-fault laws, so you can file a PIP claim to receive benefits directly from your own insurer without needing to prove that the other driver caused the accident.

Coverage typically applies to medical expenses, lost wages, and other out-of-pocket costs up to your policy limit.  The level of mandatory coverage and offerings vary depending on your state and provider.

Common Coverages Included in PIP

Depending on the provisions in your state, PIP coverage can apply to a range of injury-related expenses, including:

  • Medical care – PIP helps pay for necessary diagnostic tests, treatments, hospital bills, rehabilitation, and other services related to your accident injuries. Many policies also include coverage for non-medical expenses like transportation to/from medical appointments.
  • Lost wages – If injuries prevent you from working, PIP coverage provides reimbursement for a percentage of the wages you lose. Some plans cover domestic services if you’re unable to perform typical household duties like cleaning, cooking, and child care.
  • Rehabilitation – The cost of physical therapy, occupational therapy, speech therapy, and other rehabilitation services are covered under PIP.
  • Funeral benefits – In the unfortunate event that an accident results in a fatality, PIP will provide a benefit to help with funeral and burial expenses in most states.
  • PIP claims are subject to your policy limits, time restrictions, jurisdiction-specific parameters, and other deductibles or limitations. For example, many states cap reimbursements for non-medical benefits like lost wages. Coverage also temporarily stops at a certain point, which varies based on the laws in your state.

Why PIP Matters More Than Other Coverages

While liability insurance only applies when the other driver is at fault, PIP coverage benefits the policyholder regardless of who caused the accident.

So, why is PIP so vital?

Health insurance doesn’t normally provide all the protection you might think in an auto accident. For instance, you might still owe copays and deductibles from your health insurance even when another motorist clearly caused your injuries. Many drivers also have high-deductible health plans with several thousand dollars worth of out-of-pocket expenses before coverage starts. PIP helps bridge those financial gaps by covering your deductibles, copays, and extra costs that your health insurance leaves unpaid.

Plus, PIP payouts become available quickly – normally within thirty days – so you don’t have to drain your savings to cover emergent medical expenses. With your underlying health plan, pre-approval processes can delay payment. You might also need to fight to prove that accident injuries relate to your claim when billing health insurance directly.

The bottom line is that PIP makes funds easily accessible during a turbulent time. This no-fault coverage activates immediately without forcing injured parties to file claims against each other or justify every expense. It may not pay the whole tab, but PIP can protect your finances in those vulnerable weeks or months after an accident while you work on getting well.

How Much PIP Do I Need?

It might be tempting to opt for the minimum PIP coverage required in your state to save a few dollars on premiums. However, doing so means assuming greater financial risk. If you’re seriously injured and limits become quickly exhausted, you must pay the difference out of pocket.

Instead of minimizing PIP, optimize it in line with your health insurance offerings. Compare your total coverage from both policies to determine a sufficient level of protection tailored to your individual circumstances and risk tolerance. For many drivers, $50,000 to $250,000 constitutes reasonable PIP limits depending on applicable laws. But you should shop around, as coverage needs, premium prices, and jurisdictional parameters vary.

Fighting for Compensation to Recoup Your Losses

Recovering from a car accident often means more than healing your body – you also need financial remedy to recoup losses and regain stability. While PIP can cushion the initial impact, you may still experience uncovered expenses, lost income exceeding policy limits, and other enduring impacts. If another motorist’s negligence directly caused your injuries, you have the right to hold them accountable through an injury claim or personal injury lawsuit.

The at-fault driver’s liability coverage can pay for hard and soft damages related to the incident. Hard damages refer to quantifiable monetary losses like property damage, medical bills, lost wages, and out-of-pocket costs. Soft damages cover intangible losses such as pain and suffering. Working with an experienced personal injury accident attorney from the beginning, even before you speak to an insurance company, levels the playing field against insurance companies so you can fight for maximum compensation.

A personal injury attorney Los Angeles from Karns & Karns Personal Injury and Accident Attorneys will thoroughly investigate your accident to prove negligence and calculate current and future costs related to your injuries. Leveraging their legal expertise and resources, they negotiate directly with insurers or pursue litigation if fair settlement talks fail. Having strong legal guidance in your corner also ensures full compliance with claim filing deadlines and litigation procedures. Plus, most personal injury lawyers from a top personal injury law firm work on contingency, so you pay nothing upfront for their services.

Don’t leave money on the table or let insurers take advantage after an accident. Understanding vital coverages like PIP equips you to seek their full benefits. But when losses exceed your policy limits, skilled legal advocacy makes all the difference in obtaining the complete compensation you lawfully deserve. With a personal injury lawyer Los Angeles from Karns & Karns Personal Injury and Accident Attorneys fighting for your best interests, you can confidently navigate the claims process and demand accountability to help regain financial stability. Contact us today to learn more.

Dealing with Insurance Company Questions After a Car Accident

Have you recently been in a car accident? Was the car accident caused by the negligence of another person or party? It can be an extremely stressful and scary experience, not just when it happens, but the recovery can also pose a variety of physical and mental challenges. Even minor car accidents can result in costly repairs to your vehicle and medical bills. Of course, this is what insurance is for, or at least that’s what most drivers assume.

The problem is that when you are dealing with insurance companies, they always want to offer the lowest payouts possible, which doesn’t work in your favor and may not even be fair and reasonable. So, before you take on that stress, we’ve got some useful tips on how you can best deal with an insurance company’s questions after a car accident occurs.


Remember the Insurance Company Isn’t Looking Out for You

A very important factor to remember is that the insurance company representing the negligent driver isn’t looking out for your best interests. Their goal is to settle as quickly as possible and for as little as possible. Before you know it, you could be accepting a settlement that is well below fair value and you have now short-changed yourself.


The Facts are Your Best Friend

When you are asked questions by the insurance company, you must stick to the facts only. Never give up information or answers that they didn’t even inquire about. It doesn’t mean you’re lying; it just means you are focused on the facts and only answering the most basic questions. Never guess answers, or answer with such comments as “I think” or “I believe”. Answers must be fact-based only. If you truly don’t know, then that’s the answer you give. This also means you can’t exaggerate any of the circumstances or facts surrounding the accident and your injuries.


Keep Careful Records of All Conversations

If you do find yourself speaking to the insurance company, it’s wise to keep track of the questions they asked and what your answers were. This means writing it down so you can refer back to it if necessary. It may be important information for your personal injury case.


Don’t Speak to the Insurance Company

It’s normal to feel flustered by the insurance company if they are calling and hounding you with questions. There is nothing wrong with telling them you are unable to talk and that you are busy getting medical treatment or you are trying to recover. You certainly don’t want to find yourself answering things wrong or saying things that would possibly harm your case simply because you are flustered.

Not sure how to get out of the conversation and shut down the conversation? You can use answers/statements such as these:

  • I’m not prepared to talk about the accident.
  • I’m not prepared yet to talk about my injuries.
  • I will follow up with you later.
  • My lawyer will follow up with you.

If these lines don’t help, or you just don’t feel comfortable using them, it’s best to ignore the call and not answer it. Insurance companies are highly skilled at making you feel at ease and getting you to put your guard down, so it’s wise to have these responses ready to go. Even a simple question such as “How are you” can be unwise to answer. That company and that adjuster are not your friends.

The fact is that insurance adjusters know exactly how to get you to say things that will mess up your case. There is also the fact that you don’t have to talk to them, as there is no law that states you must.


You Don’t Have to Agree to a Recording

Another technique that insurance companies can use on victims is to record their statements. This can be very beneficial to the insurance company but can end up being used against you. There is no reason you need to agree to it, so be sure to say no.

Bear in mind they will often take that recording and then compare it to what the police report says, looking for any discrepancies or potentially damaging information.


Get Details from the Insurance Company

While it may seem like the insurance company is pestering you with constant questions, you need to be looking out for your best interests. It is recommended that you ask for the insurance company’s name, the adjuster’s name, and their phone number. Write the information down and store it somewhere you can easily find it.


Hire One of Our Personal Injury Lawyers Immediately

The very best step you can take is to hire one of our top personal injury attorneys here at Karns & Karns Personal Injury and Accident Attorneys. A personal injury accident lawyer is well-versed in dealing with the questions that the negligent party’s insurance company will have. We are familiar with the typical lingo that is used, what they may be looking for, and what’s involved in agreeing on fair compensation.

A personal injury accident attorney looks out for you and your needs and isn’t worried about placating the insurance company. You are our client, and it’s you we are looking out for.

This means when the insurance company does call you, there’s no need to answer anything. You can let the company know that all communication will be done through your attorney and that they will need to speak to the lawyer – not you. There is no need to provide any further comment on the accident, your injuries, your treatment, damages or anything.

As for when to give us a call, it’s simple – as soon as possible following your accident. This means as soon as you’re medically stable enough to give us a call or visit us in person, we recommend you do so. Let Karns & Karns Personal Injury and Accident Attorneys protect your legal rights and get you the compensation you and your family deserve.

Why Commercial Vehicle Insurance Is Essential for California Businesses

Every detail matters within the thriving business ecosystem of California. From hiring the best talent to optimizing workflow processes, entrepreneurs leave no stone unturned. Another crucial aspect that demands attention is safeguarding company assets, particularly when it comes to commercial vehicles. If you are a business owner with a fleet, commercial vehicle insurance isn’t just a recommendation – it’s essential. Let’s explore why.


Protect Your Financial Investment

Commercial vehicles aren’t just a mode of transportation; they are a significant investment in your business. Whether it’s a single delivery van or an entire fleet of trucks, there’s substantial capital involved. Accidents, theft, or damage can result in considerable financial loss and the need to work with a vehicle accident lawyer. Commercial vehicle insurance acts as a buffer against these unforeseen expenditures, ensuring that mishaps don’t derail your business’s finances.


Legal Compliance and Peace of Mind

The State of California mandates that all commercial vehicles have a minimum amount of liability insurance. Operating without the required insurance can result in hefty fines, potential litigation, and even the suspension of your business operations. Having the right coverage, on the other hand, not only ensures you are compliant with the law but also provides you with peace of mind. With adequate insurance, you can focus on the day-to-day running of your business without the nagging concern of potential liabilities. An automobile accident lawyer can help if you’re not sure what insurance you need, or if you are dealing with the aftermath of an accident with an uninsured driver.


Shield Against Liability Claims

If a commercial vehicle associated with your business causes harm to someone or damages property, the repercussions can be severe. Liability claims can soar, sometimes reaching amounts that can put the very existence of a company at risk. Motor vehicle accident lawyers work tirelessly to get the highest compensation for their clients, which will come out of your pocket if insurance cannot cover it. With commercial vehicle insurance, you’re equipped to handle such situations. It covers the associated costs, preventing any undue strain on your business finances.


Upholding Your Business Reputation

A well-maintained fleet can be a reflection of your company’s professionalism. If a vehicle breaks down or is involved in an incident due to a lack of proper coverage, it can harm your business image. On the other hand, showing responsibility by insuring your vehicles can help build trust among clients and stakeholders. It sends the message that safety and professionalism are top priorities.


Employee Protection and Retention

Your employees are the backbone of your business. If they drive your vehicle, their safety should be paramount. In the unfortunate event of an accident, commercial vehicle insurance ensures that your employees receive the necessary medical attention without the burden of costs. Such provisions not only protect the wellbeing of your team but can also boost morale and improve retention rates. After all, employees are more likely to stay loyal to a company that values their safety and wellbeing.


Future-Proofing Your Operations

Business landscapes evolve, sometimes unpredictably. As your company grows, so might your fleet. Having insurance in place prepares you for this growth. Whether you add more vehicles or expand into different areas of California, an existing insurance policy can often be adjusted to accommodate these changes. This proactive approach ensures that even as your operations scale, every new vehicle remains protected from day one.


Enhanced Productivity and Operational Efficiency

In a dynamic business environment, every minute counts. Unexpected disruptions due to vehicular issues can significantly impact productivity. When a vehicle is side-lined because of an accident or damage, deliveries might be delayed, client meetings postponed, or essential services interrupted. Commercial vehicle insurance often comes with provisions for rental services or quick repairs. This ensures that your operations run smoothly without prolonged interruptions. When your fleet is consistently on the move, your business’s efficiency and productivity thrive, setting you apart from competitors and solidifying your reliability in the market.


Flexibility in Customizing Coverage

Every business is unique, and so are its requirements. While some companies might need a comprehensive plan that covers every possible scenario, others might be looking for something more basic. The beauty of commercial vehicle insurance is its adaptability. Insurance providers often offer a range of coverage options, allowing businesses to tailor policies to their specific needs. Whether it’s collision coverage, comprehensive protection, or uninsured motorist provisions, you can mix and match based on your business risks and budget. This flexibility ensures you’re not paying for anything you don’t need while still maintaining a robust safety net for your fleet.


Safeguarding Business Continuity

Business continuity is all about planning and preparing to ensure that operations can continue no matter the challenges or crises faced. Commercial vehicles, often being integral to a company’s operations, play a key role in this equation. By ensuring these vehicles have the right coverage, you can create a contingency plan for your business. Whether a vehicle is damaged in a natural disaster, vandalized, or involved in an accident, insurance can expedite repairs or replacement. This fast action reduces downtime and ensures that the business continues to serve its customers, maintain its revenue streams, and uphold its commitments without major disruptions.


Secure Your Business Future

Understanding the importance of commercial vehicle insurance is just the beginning. To truly protect your business and navigate the complexities of California’s legal landscape, you need the right professionals by your side.

With years of dedicated experience and a team of motor vehicle accident lawyers, Karns & Karns Personal Injury and Accident Attorneys are here to guide you through every legal challenge. Whether you’re dealing with an accident in your fleet or have been involved in an accident involving a commercial vehicle, we can help.

Contact us today for a free consultation. Whether you’re a business owner, employee, driver, or a member of the public, our team has extensive experience in accidents and insurance and can offer advice and support for almost any situation.

What is the Time Limit on the Farmers Insurance Auto Insurance Claim?

There is always a time limit to filing claims and Farmers Insurance claims are no exception to that rule. In case you were involved in an auto accident covered by your Farmers Insurance policy, it is of the utmost importance that you take some time out to understand how the time limit works in such cases. Up next, we will be exploring and answering some of the most common and important questions that people have after being involved and injured in an auto accident.


What Exactly is the Farmers Auto Insurance Claim Time Limit?

The Farmers Auto Insurance claim time limit defines the maximum amount of time you have to report the incident and file the insurance claim. The timer will start from the date of the accident, but there is no way to be sure when it will end without knowing the exact details, such as the specific policy you have signed up for and the applicable laws and regulations of the concerned state where the accident happened. In exceptional cases, extenuating circumstances might be cited if present to get an extension. Nevertheless, you will need to consult with your Farmers Insurance agent and inform them about the same as quickly as possible.


What is Most Crucial in Determining the Farmers Auto Insurance Claim Time Limit?

There are quite a few crucial factors here, but a lot depends on the state in question. In general, all of the following will play crucial roles in determining how much time you will have to file the claim after the accident.

The State – Different states have different regulations about auto insurance policies, so it will partially depend on which state is being discussed. If it is necessary to file a claim against the insurer or the party at fault for the accident, the lawsuit must be filed within the concerned state’s Statute of Limitations for personal injury and property damage.

There is also the question of whether the accident happened in a fault state or no-fault state. In some states, the fault might be shared between you and the other party. The compensation will be awarded based on your percentage of participation in actions that led to the accident. Other states will always have one party responsible for paying the other.

Statute of Limitation – As explained, the statute of limitation is going to be key if you need to bring legal action under the guidance of your auto accident lawyer to sue one or more parties for compensation. For example, the Statute of Limitation in the state of California is just two years for personal injuries, but you get three years to claim compensation for property damages. In Texas, you will have a total of two years to file a lawsuit against the party at fault for both personal injuries and/or property damages.

Personal Injury – One of the first things you should do after getting injured in an automotive accident is seek medical assistance. Get yourself thoroughly checked and be sure to keep all documents, prescriptions, bills, and medical reports. You will need them for everything related to your personal injury claim and your Farmers Auto Insurance claim.

You will also need them if you decide to sue any party involved. However, they will first play a key role in determining how much time you will have between the day of accident and your day of filing the claim. Serious injuries and debilitating medical conditions can stretch your time limit further than usual.

Vehicle Assessment and/or Repair Documents – When it comes to auto insurance, the condition of the car or cars involved in the accident will play a huge role. It will not only determine the time limit to file a claim, but those documents are going to be crucial in making a successful claim and proving your case later if you decide to sue someone who was involved in the accident. Even if you plan to get your car fully repaired, don’t forget to take photos before those repairs are completed. Consult with your motor vehicle accident lawyers for more information on how to proceed.


What is the Time Limit for Reporting an Accident to Law Enforcement?

You should always try to report the accident immediately if possible, or as soon as possible. The police report itself is an essential document and a mandatory requirement for filing claims in all states. It does not matter whether you are only filing for your Farmers Auto Insurance coverage or filing a lawsuit against the party at fault; you will need a police report. Therefore, it is best to never think about how long you may have to report to the police, and get it done as soon as you can.

However, it’s always best to call the local emergency line or 911 right after the accident. This is especially important if you are injured in the accident. Trying to get away from the scene of the accident without help can lead to medical and legal complications. For the sake of information, note that the time limit can be just 7-10 days or 20-30 days, depending on the state. Check with your car or truck accident lawyer for more information.


What are Your Options If You are Already Too Late File the Claim?

It is highly recommended that you try and maintain the time limit. In case that is no longer possible, contact Farmers Insurance and discuss your options with an agent. As already mentioned, there are several factors that can be used to lengthen the time limit, but most of those routes will need to go through a proper legal channel.

You can contact us at Karns & Karns Personal Injury and Accident Attorneys for free counsel from our best auto accident attorneys. You will be provided with a step-by-step guide on how to proceed for the best results. If you have a just case, we will take it on and fight for you to win the compensation you rightfully deserve.

What to Say to Your Insurance Company After a Car or Semi-Truck Accident

After being involved in a car accident, you might experience a whirlwind of emotions and it can be quite terrifying. Even if you are lucky enough to not be seriously hurt, the stress, worry and anxiety after a car accident feels awful, and could lead you to act or speak in a way that might compromise your best interests when it comes to your case.

In fact, your insurance company or that of the other driver might be waiting for you to say the wrong thing. For example, apologizing at the scene might feel natural to you if the other driver has been hurt or their car is wrecked. But while you might be saying sorry just to be nice, insurance companies might take this as an admission of fault and hold you liable for the accident, even if you weren’t at fault.


What to Say to the Insurance Company After an Accident

You will likely get a call from the claim adjuster from your insurance company around a few days after the accident, in which they will want to get more information on the details of what happened. It’s important to bear in mind that insurance companies are looking out for themselves rather than you. Because of this, you need to be prepared for them to be looking out for any reasons to reduce your payout as much as they can. The best way to avoid giving them anything to use to do this is to say nothing at all and hire an experience personal injury attorney.  If you find that you must provide a statement keep your conversation as short and to the point as possible. Some tips to keep in mind include:

Give General Information

When speaking to your insurance company, you are only obligated to provide general or basic details about the accident. This includes personal information about yourself such as your name, the type of car you were driving when the accident happened, the other cars involved, the names of other people involved in the accident, where the accident happened, when it happened, and information on the other driver’s insurance company.


Don’t Provide a Recorded Statement

You are not under any legal obligation to provide a recorded statement to your insurance company. It is important to avoid recording a final verbal statement, without consulting a good car accident or personal injury lawyer beforehand, who can help you do this in a way that is in the best interests of your case.


Don’t Be Too Specific

Even if you have got medical attention after being involved in the accident and are aware of the extent of your injuries, it is important to avoid giving a detailed description of them or providing a final statement regarding your injuries to the insurance company. This is because after a car crash, injuries may appear later down the line, especially if you have internal injuries that are not always obvious. Along with this, there is also the risk of your current injuries escalating into something more serious.


What You Should Never Say After a Car Accident

Whether you are talking to the insurance company, the other driver involved, or witnesses at the scene, it’s important to choose your words carefully after a car accident. The vocabulary that you use could lead to problems with your case after a car accident, even if you said them innocently or meaning well. Some things that you should always avoid saying after a car accident include:


Even if you are simply the type of person who apologizes a lot and you feel bad for the other driver involved, apologizing to them is always a bad idea. Even if you think that you might be at fault for the accident, don’t say sorry to the other driver. This is because any witnesses to the interaction might see this as an admission of guilt or taking responsibility for the accident.


That You Don’t Have an Attorney

If you are contacted by your insurance company before you have had the chance to get in touch with us here at Karns & Karns Personal Injury & Accident Attorneys, the last thing you should do is admit to them that you don’t have a lawyer yet. If your insurance company knows that you do not have any legal representation, they might try to reduce your compensation. For example, they may offer a quick settlement, which will typically be significantly lower than the amount you could have received.


Let’s Handle It Ourselves

You should always tell your insurance company about any car accidents that you are involved in. It’s not uncommon if you have a minor crash that only causes a little bit of damage to your car, and has not led to any serious injuries, to consider simply not telling your insurance company about it, getting the cars fixed and getting on with your life. However, it’s important to resist the urge to avoid reporting a car accident, especially if it was only a fender bender. The truth is that you may be due compensation for any crash, and not reporting a car accident to your insurance company will only make it harder to receive the payout you are owed.

If you’ve been involved in a car crash, then it’s important to carefully choose the words you use at the scene and when talking to your insurance company. Get in touch with our experienced lawyers today if you need advice on what to say. Call us today.

What the Insurance Companies Don’t Want You to Know

When you purchase insurance for your car, in theory, the insurance company is there to help you as the policyholder if you get into an accident. If you are involved in a car accident or sustain a serious injury while driving, then you will need to file a claim with an insurance company in the hope of receiving compensation for any medical expenses you have incurred, loss of income due to not being able to work while you recover from the injuries, and pain and suffering.

Unfortunately, the truth is that insurance companies are more interested in making a profit than they are in helping you. For that reason, there are quite a few things that your insurance company doesn’t want you to know. If you were aware, then you’d be standing in the way of them making money!

So, what are some of the things that insurance companies would rather be kept a secret? Read on to find out more.


What You Say Can be Used Against You

After a car accident, your insurance company may ask you to provide a recorded statement addressing what happened and the damage that was done. However, you are under no legal obligation to do this, and it is recommended that you don’t unless you’re doing it with a personal injury or car accident attorney who can help you make sure that you are describing the accident in a way that does not incriminate yourself. In fact, even casual remarks that you make while talking with claims adjusters can be taken as formal statements – especially if you are speculating about whether or not the accident was your fault or describing your injuries. Because of this, it’s important to only stick to the basics when talking about your claim and consult a car accident attorney before giving any statements.


Insurance Adjusters are Great At Negotiating

After a car accident, you might simply want to get your money and move on with your life – and the claims adjuster will know this. They might pressure you to accept a settlement offer or even give you a deadline, telling you that you only have a few hours to accept or that this is the best offer that they can come up with. However, it’s best to avoid falling for these tactics and don’t accept the first offer you are given. If you are not confident when it comes to your negotiation skills to get a better offer, you have the right to seek outside counsel and hire a car accident lawyer to negotiate on your behalf.


Adjusters Might be Lying to You

Don’t assume that your insurance adjuster is always being truthful with you when it comes to talking about your claim. For example, they might use information that they know about you, such as existing health conditions to tell you that you are not going to be able to make a claim for the injuries you have suffered in the car accident. However, this is not always the truth. There are lots of things that insurance adjusters might say to you in the hope that you don’t know any better and to see if they can get away with it, which is why it’s always best to have an attorney liaise with them on your behalf.  Insurance adjusters are sales people. They want to sell your claim for the lowest price possible.


Claims Adjusters are There to Make Money

We’d all like to believe that the insurance company is there to help us. However, the truth is that most of them have the main goal of simply making money for the company. While the claims adjuster might seem like a nice and helpful person while you are speaking to them, their main job is to try and reduce your claim as much as possible, or even try to have it completely denied. Bear in mind that the insurance company does not make any money from helping you, and the claims adjuster works for them.


They Hire Doctors to Find Pre-Existing Injuries and Minimize Your Claim

If you allow your insurance company access to your medical records when you sign an authorization form, then they are going to use this to find as much information as possible to minimize your claim. To do this, they will often hire doctors who are there to look through your medical records to try and find any records of a pre-existing condition or injury that they can use to throw doubt on your claim. They might then use this to claim that your injury is not as severe as you say it is. Even if your own doctor is backing you up, the insurance company will hire their own doctors to try and contradict this.


They Don’t Want You to Hire a Lawyer

If you have been involved in a car accident, then the first thing you should do is hire a personal injury lawyer. However, your insurance company might want to try to convince you from doing this. They might tell you that hiring a lawyer isn’t worth the cost or that having an attorney is unlikely to help you get a better offer. In most cases, they are hoping that you don’t hire a lawyer so that they are less likely to have to pay out a decent settlement for your case, hoping that without legal counsel you may agree to a seriously low-ball offer just to get it over and done with. Don’t fall for it! Hire an experience personal injury attorney.


You Can Sue Insurance Companies for Unethical Practices

Any practices that act against the best interests of the policyholder are considered to be unethical insurance practices. Insurance companies should always act in accordance with accountability laws, but some assume you won’t know about them. A good lawyer will help ensure that your insurance company is held accountable if they act in a way that is against your best interests.

If you’ve been involved in a car accident, Karns & Karns Personal Injury & Accident Attorneys can help you make sure that you’re not falling foul of these insurance company practices. We can liaise with the insurance company on your behalf. Get in touch today for a free consultation and to find out more. Call Karns & Karns Personal Injury & Accident Attorneys now at 877-557-4221.