Orange County Personal Injury Lawyer Solve Your Automobile Insurance Coverage Questions

Here are some answers to common questions about automobile insurance coverage, claims, and injuries in Orange County.

Liability Coverage

Liability coverage protects you in the event you are sued for damages. There are two types of liability coverage: Bodily Injury, which will pay claims for injuries you may have caused, and Property.

Uninsured and Underinsured Motorist Coverage

This coverage protects you when you’re in an accident and the other driver had little or no insurance. Since you cannot make a claim against the other driver’s company, you will make the claim against your own insurance company. In this situation, your insurance company is, practically speaking, acting as though it insured the other driver, and will handle your claim accordingly.
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After An Accident, Should You File A Claim With Your Own Insurance Company, Or The Other Driver’s Company?

If for some reason you don’t want your insurance company involved, there may be no need to notify them. But failing to give timely notice could cause your coverage to be voided (just for this accident). This would be especially problematic in the event you are sued, since your failure to give timely notice of the accident would cause your company to claim it has been relieved of its duty to provide you a defense.

Remember:

Do not try to deal with the claims adjuster yourself; get a lawyer to do it for you. That’s his job. He will be polite, as should you. Just politely refer him to your lawyer. And he can answer any additional questions you have about claims, injuries and automobile insurance coverage in Orange County.