Tips For Dealing With Insurance Companies After Car Accident

April 30, 2019

After a car accident it is easy to get confused and overwhelmed.

We wrote this article to help accident injury victims feel educated.

We cover all the Topics Below

  • Should I talk to other insurance company after accident
  • How much do insurance companies pay for pain and suffering
  • How long does insurance company have to settle claim
  • Do I call my insurance if not my fault
  • Can you fix your own car after an accident
  • How do you negotiate with insurance after car accident

contact daniel kim when dealing with insurance companies

Why Contact Daniel Kim Law Offices

It is always smart to get a Free phone consultation with Daniel Kim so you know your legal rights.

After you are involved in a car accident it seems that life can get complicated very quick.

First you need to deal with your injuries you suffered, getting to the hospital, dealing with the damage to your car, and the insurance companies start calling you.

Remember that the insurance company (especially the defendants’ insurance) are not necessarily your friends.

Daniel Kim Law Offices have over 1000 positive 5 Star Reviews on Yelp, Google, and Facebook.

Daniel Kim and his staff truly care about our clients and our reputation speaks for itself.

If you were injured in a car accident you need to be very careful about what you tell the insurance companies.

call daniel kim today

The Law Offices of Daniel Kim have years of experience fighting with the insurance companies to make sure our clients get maximum compensation.

Our law firm is very aggressive and we won’t let the insurance companies intimidate you.

We only get paid when we win your case.

If you already have an injury lawyer feel free to call us for a FREE 2nd opinion.

Call Daniel Kim today and get answers to your questions about your injury claim.

tips for dealing with insurance

7 Tips For Dealing With Insurance Companies

Most of us just pay our car insurance bills every month, and hope we never need to use our insurance.

But accidents do happen, and once you’ve been injured in a car crash you’ll realize quickly how even your own insurance company can give you the run around.

One of the most complicated parts of a car accident is having to deal with insurance company.

Typically within just a few days after the accident you will start to receive phone calls from an insurance adjuster who will want to settle your claim as fast as possible – don’t do it.

contact daniel kim

Call Daniel Kim today and get answers

Below is a list of 7 things to be aware of when you are dealing with the insurance company.

Insurance adjusters are trained negotiators – often times your insurance adjuster will act very nice and helpful, but you need to be careful. The job of the adjuster is to protect the insurance company they work for. Their goal is to minimize the amount of money paid out on your injury claim, many times they will even deny the claim or not recognize the full value of the settlement.

Don’t just accept the 1st settlement they offer you – Sadly after a car accident most people need money quickly to fix their car and pay for medical bills. The insurance adjusters know this and usually will offer a crazy lowball settlement immediately. Don’t accept this, call Daniel Kim.

Anything you say will most likely be used against you – the goal of the insurance adjuster is to make up their own version of the accident (to minimize it) and have you agree with them. Do not give a recorded statement or sign anything until you call Daniel Kim for advice.

medical bills

The insurance company loves to avoid paying medical expenses – this goes hand in hand with trying to pay you as little as possible in a settlement. They might even suggest that you are lying and making up injuries. Don’t be pushed around – Call Daniel Kim Law Office today.

If you won’t settle today, insurance companies might ignore you – once insurance companies know you won’t accept their first offer, many times they will ignore you hoping you’ll go away or that the statute of limitations will expire (2 years in California).

Don’t sign anything until you call Daniel Kim Law Offices – many of the forms and documents the insurance companies want you to sign might have fine print that you don’t understand. You could be signing away your rights or accepting an offer without even knowing it.

Insurance companies don’t have to treat you fairlywhen the other driver is at fault for the car accident it’s very common for that drivers insurance company to deny or delay paying your claim.

talk to insurance company

Should I Talk to Other Driver’s Insurance After Car Accident?

After a car accident it is very common for the other driver’s insurance company to start calling you (even if it’s clear that the other driver is at fault).

Even if you are at fault there is still a good chance that the other insurance company may call you.

You are not required to speak with the other driver’s insurance company.

Again, this is why you want to call an experienced accident lawyer like Daniel Kim for help.

Whenever there are injuries in an auto accident it’s best to avoid the other driver’s insurance company.

And once you hire Daniel Kim to represent you, then you won’t need to deal with the insurance companies anymore.

getting paid from insurance company

How Much Do Insurance Companies Pay For Pain & Suffering

Once you start the process of filing an injury claim after an accident, you’ll probably start to wonder how much money your settlement might be worth?

Insurance companies don’t use just one method to determine the value of a personal injury claim.

This usually includes compensation for lost wages, medical bills, along with money for “pain and suffering”.

Multiplier Method

The multiplier method is often used to evaluate pain and suffering damages with a certain number.

It was common practice for injury lawyers to multiply the actual damages by three to reach a damages amount $ that is reasonable.

So if your lost wages were $2,000 and your medical bills were $5,000, you would multiply $7,000 by 3 which would equal $21,000.

Nowadays though insurance companies are not so fast to agree with this, and instead they arrive at these figures with complex software programs and algorithms that are designed to undervalue your claim.

There are a lot of variables that go into this approach like the severity of your injuries, length of your recovery, etc.

The reality is you don’t want to deal with this, call Daniel Kim Law Offices now for FREE consultation.

how much money from insurance companies

The Daily Rate Method

Some personal injury lawyers and insurers will use a daily rate to attempt to calculate the pain and suffering damages on an injury claim.

With this method a daily rate or “per diem” is assigned to each day (week, month, etc.) that you suffer from injuries pertaining to the car crash.

An example would be that you had to see a doctor regularly and take pain pills to ease the pain, and you did this for 2 months. 

Maybe you say that each day of the pain is worth $300 to you, so $300 a day multiplied by 60 days is $18,000.

Choosing the daily rate can be tricky, but many times the rate is based on what you earn per day, and since you were unable to work, the $300 per day helps recover your lost wages.

As you can see all of this gets very tricky and complicated, and once you start dealing with the courts, and a judge or jury it can be overwhelming.

Pick up the phone and call The Law Offices of Daniel Kim today for help.

call insurance if not my fault

Should I Call My Insurance If Accident Not My Fault

The easy and fast answer is Yes.

A common myth is that if you are not at fault, then you don’t need to report the accident to your insurance company.

This is false because there might be several coverages on your insurance policy here in California that you might want to use.

It is always best to follow the proper procedures after a car accident.

Ultimately your best move is to Call Daniel Kim Law Offices today.

how much time does insurance company have

How Long Does Insurance Company Have To Settle a Claim

Most states including California have regulations to protect consumers by setting a timeframe for the insurance company to acknowledge your claim, investigate and make a Fair settlement.

California require that the insurance company does acknowledge all claims within 15 days.

And the insurance company has to accept or reject the claim within 40 days after receiving proof of the claim.

If the claim is accepted then payment must be made within 30 days from the actual date the settlement was reached.

Don’t risk taking on this battle alone, Call our Law Office today for Daniel Kim.

fix your own car after an accident

Can You Fix Your Own Car After An Accident

This is a very common question that we hear all the time from our clients.

People want to know if they can repair their own car after being in an accident, rather than dealing with repair shop the insurance company suggested.

If you own the car outright, and don’t have a balance due to the bank, then you may be able to get a check made out in your name so you can choose a mechanic.

Again, your best bet is to call our law offices today and get a free phone consultation with attorney Daniel Kim.

Don’t just guess what you should do, get answers today.

negotiate with insurance company

Negotiating With Insurance After Car Accident

Do not trust the insurance company to think about you first.  Trust us.

If the insurance adjuster tells you that you won’t need a lawyer, then call Daniel Kim that day.

Insurance companies are known for offering lower settlements to accident victims that are not being represented by an injury lawyer.

Do Not Become a Statistic.

Car accident victims with minor injuries (and minor property damage to their vehicle) might be able to successfully negotiate with the insurance companies.

But you don’t want to fight the insurance companies alone when you have a real settlement on the line.

If you have been injured in a car crash, you need to remember that the insurance company doesn’t want to pay out any money – that is the truth.

Major car accident injuries are expensive

Call Daniel Kim Law Office today for a free consultation and get answers.

Your settlement demand will include the:

Cost of any physical therapy

Costs o medical bills

Lost wages from missed work

And money for pain and suffering