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Car Accident Liability

Los Angeles Car Accident Lawyers – (213) 267-3640

California is not a state that requires drivers to purchase and carry personal injury protection (PIP) insurance. As such, if you get hit by a negligent driver and suffer an injury or damages, then you will need to file a car accident claim against them and their insurance company in order to pursue deserved compensation. The amount of compensation you can collect will be dependent on your own liability for the accident, though. The more liable you are found, the less you can collect.

Levin & Nalbandyan, LLP and our personal injury attorneys in Los Angeles can help you make sense of your car accident claim and prove you were not liable for what happened. It is our goal to secure every last penny of compensation you deserve. Since we do not get paid unless we win your case due to our contingency fee agreements, you can feel confident in hiring us as your injury lawyers without having to first reach for your wallet.

Talk to our compassionate team about your car accident claim today.

California’s Minimum Liability Car Insurance Rules

The financial responsibility law of California demands that anyone who owns and drives a vehicle must carry liability insurance coverage that meets or exceeds a minimum legal amount. This insurance coverage helps pay for injuries and damages suffered by other people, such as drivers, passengers, and pedestrians caught in the accident. Your own policy will not cover your own damages in most situations, as the “fault” rules mean the policy held by the other driver should be paying for your injuries, assuming they were responsible.

The minimum amount of liability car insurance you can purchase in California:

  • $15,000 for costs associated with injuries or a death suffered by one person.
  • $30,000 for costs associated with injuries or deaths suffered by more than one person.
  • $5,000 for costs associated with property damage, like vehicular damage.

You can purchase a liability car insurance policy that exceeds these minimums. In fact, it is often encouraged to go above the minimums and also add uninsured/underinsured motorist coverage. However, you cannot legally fall below these amounts.

Dividing Liability in a Car Accident

As a fault state, California law will split liability based on what facts and arguments come forth during an accident investigation. Insurance adjusters are tasked with fairly determining fault for an accident and providing an adequate amount of coverage.

For example, imagine a scenario in which Joe drove through a stop sign intersection without slowing and hit Jane, who entered the intersection after stopping. In this situation, Joe would probably be primarily liable for the accident, but Jane still had a duty of care to ensure no one was racing towards it before continuing. It might be that the assignment of liability would be 80% for Joe and 20% for Jane.

In the previous example, Jane suffers a back injury and needs $10,000 worth of medical care. She files a claim against Joe, and the 80-20 split of liability is held. She would be given $8,000 worth of damages since she was 20% liable, or $10,000 reduced by 20%, i.e. $2,000.

We Fight for You While You Rest & Recuperate

From the moment you get our Los Angeles car accident attorneys on your side, Levin & Nalbandyan, LLP will work diligently to reduce your own liability in your accident as much as possible, right down to 0%. Our years of collective legal experience allows us to carefully analyze the facts that surround a crash and prove that you should not be accountable for what happened. When the opposition will not accept liability or tries to unfairly reduce their own liability to minimize the compensation you can collect, we will be ready to stand up for your rights. Settlements are often possible, but we always get ready for a courtroom battle in case it becomes necessary to get you every penny you deserve.

For a free consultation, call (213) 267-3640 today.

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