Seeking compensation for damages and losses after a car accident can be complicated. You may have more than one source of compensation available to you for your car accident injuries, depending on the facts and circumstances of your case. While no amount of money erases the pain, stress, anxiety, frustration, and inconvenience caused by a negligent driver, it can help alleviate some of the financial burdens caused by the auto accident.
Five Types of Compensation You May Receive for Your Car Accident Claim
Each of the following sources of compensation after a car accident claim has different requirements. You may or may not meet the requirements for each, but it is worth investigating so that you exhaust all potential sources of financial assistance after a car accident.
Liability Insurance Claim
A liability insurance claim is filed against the driver who caused the accident. The insurance provider for the at-fault driver should pay your financial and non-financial damages up to the policy limits. However, most insurance companies work diligently to limit their liability for an accident, even when it is clear that their insured caused the crash. Therefore, it could take months or even years to settle a liability insurance claim.
Health Insurance Benefits
If you have health insurance, your insurance company may pay for medical care related to the accident. Health insurance payments help victims receive the medical treatment they need as they prepare to file a liability insurance claim. Beware, your health insurance company has a claim against any money you receive from your car accident claim. In other words, you may have to pay back the health insurance provider for any payments it made related to the accident from the money you receive for your car accident claim.
Personal Injury Protection or Med Pay
If you carry personal injury protection (PIP) or Med Pay insurance, you may receive compensation from your insurance provider for medical bills, lost wages, and other financial damages. PIP and Med Pay are no-fault insurance policies. Therefore, you can receive compensation if you have this coverage even though fault for the car accident may still be in dispute.
Underinsured Motorist Coverage
You may not receive full compensation for all damages from a liability insurance claim. The at-fault driver’s insurance policy limits may not cover all your costs. If so, you may receive additional compensation from your insurance provider if you have underinsured motorist coverage. Your insurance company pays you the difference between the value of your claim and the amount paid by the liability insurance carrier.
Property Damage Claims
A claim for property damages is separate from all claims related to bodily injury. In most cases, the property damage claim is settled very soon after the accident, unless liability is disputed. The insurance company should pay to repair your vehicle. If your vehicle is totaled, the insurance company should pay an amount equal to the fair market value for your vehicle. You are responsible for the payment of any liens on the vehicle. In most cases, the insurance company writes the check to you and the loan company.
Contact a Sacramento Car Accident Attorney for Help
An experienced California car accident attorney can help you sort out the various injury and damage claims after an auto accident. Contact our Sacramento personal injury attorneys for a free consultation by calling The Tiemann Law Firm at (916) 999-9000 or by visiting our website.
The stories are heartbreaking. A parent or caregiver left a child in a vehicle by accident, or a child was able to get into a car without a parent’s knowledge. The heat in the car quickly rises, which can cause the death of the child. Hot car deaths throughout the United States are a serious matter that needs to be discussed and addressed.
How Many Children Die in Hot Vehicles Each Year?
Approximately 38 children died each year in hot vehicles in the U.S. In 2018, 52 children lost their lives in hot vehicles, the highest number of deaths on record in the past 20 years. It is estimated that 800 children have died since 1998 from being left in or trapped in vehicles.
Over one-half of the children who die from vehicular heatstroke are forgotten by their parents or caregivers. They are left in the vehicle unintentionally. Slightly more than a quarter of the deaths result from a child gaining access to a vehicle.
It does not take long for the temperature inside a parked vehicle to increase to deadly levels. Even vehicles parked in shaded areas with the windows cracked can still become too hot for a child to survive. In just 10 minutes, the temperature in a motor vehicle can increase to 104 degrees when it is 85 degrees outside. In another 10 minutes, the temperature in the vehicle increases to 114 degrees. When the temperatures outside reach 90 degrees, it takes just 10 minutes for the temperature in the vehicle to reach 109 degrees.
What Can You Do to Prevent Vehicular Heatstroke?
If you see a child locked in a vehicle or trapped in a vehicle, call 911 and follow the instructions provided by the emergency operator.
As a driver and caregiver, you can take steps to ensure you do not forget when a child is in your vehicle. Some tips for avoiding hot car fatalities include:
- Keep a large stuffed animal or doll in your child’s car seat or back seat. When a child is in the rear seat, place the stuffed animal or doll beside you in the front seat as a reminder.
- Remove your shoe and leave it in the back seat. You can also leave keys, cell phones, wallets, bags, and other items you will need when exiting the vehicle.
- Make it a habit to open the back doors and check for passengers for locking the vehicle.
- Always lock your vehicle so children cannot gain access while you. Store your car keys where children cannot locate or get the keys.
- Use technology to prevent hot car deaths.
- Set the alarm on your cell phone for the time your child should reach school, daycare, or other activities. The alarm reminds you to double check to ensure that you did not leave your child in the vehicle by accident.
One of the most serious mistakes you can make is to believe that this could never happen to you. All adults need to be aware of the risk of vehicular heatstroke and take steps to reduce the chance a child will die in a hot car.
Contact a Personal Injury Attorney in Sacramento County
If you need help with an injury claim or you have questions about a personal injury case, schedule a free consultation with a Sacramento personal injury attorney by calling The Tiemann Law Firm at (916) 999-9000.
Burns can range from minor burns that heal within a few weeks without the need to see a doctor. However, some burns are more serious and may require medical attention. In some cases, burn injuries may require surgery and result in scars and disfigurement. Serious burns can also cause complications and infections.
There are many causes of burn injuries. If the negligence of another party causes your burn injury, you may be entitled to compensation for an injury claim. The claim may be filed as a product liability claim, personal injury claim, or premises liability claim depending on the cause of the burn.
Causes of Burn Injuries in Accidents
Burns damage the layers of the skin. Deep burns can also damage the nerves, bones, and soft tissue below the skin. Fire is a common cause of burn injuries. However, overexposure to the sun can also result in severe burn injuries. Exposure to chemicals, electricity, and hot liquids can also result in burns.
Some accidents that could result in burn injuries that may be the fault of another party include:
- Automobile accidents, including car, truck, and motorcycle accidents
- Accidents involving defective or dangerous products
- Work-related accidents
- Accidents on another party’s property
When a burn injury occurs, it is important to seek medical attention.
Diagnosis and Treatment of Burn Injuries
A first-degree burn is the mildest type of burn and typically does not result in permanent damage to the skin. A second-degree burn damages a portion of the dermis. Second-degree burns can result in blisters, pain, and swelling.
Third-degree burns destroy the first and second layers of skin and can cause damage to the subcutaneous tissue. Skin appears charred and blackened, but it may also appear white. Fourth-degree burns are the most serious degree of burns. These burns penetrate all layers of skin and can cause damage to the underlying bone and muscle.
Treating Burns After an Accident
In many cases, first-degree burns may be treated at home with creams and over-the-counter pain medications. However, a physician should evaluate serious burns. Individuals who sustain severe burns or burns covering a large portion of their body may require treatment at a specialized burn treatment center.
Depending on the severity of the burn, treatments for burns could require surgery, physical therapy, occupational therapy, and other advanced treatment options.
Filing a Claim for a Burn Injury in Sacramento
If you sustain a burn in an accident, you might be entitled to compensation for your injuries and losses. Burn treatment can be expensive and the long-term damage caused by burn injuries can be extensive. Consulting a Sacramento personal injury attorney soon after your accident can be very helpful. An attorney can explain your legal rights and options for filing an injury claim.
Contact The Tiemann Law Firm by calling (916) 999-9000 or by visiting our website to schedule a free consultation with one of our Sacramento personal injury attorneys.
Being involved in a car accident can be a shocking experience, even though you may have been involved in a traffic accident in the past. Unfortunately, the shock and the shot of adrenaline can make you forget the steps that you should take after a car crash to protect your legal rights. Our Sacramento car accident attorneys review three of the most common mistakes made after a auto accident and why those mistakes could cost you thousands of dollars.
Car Accident Mistake Number 1 — Saying You Are Sorry
Saying you are sorry after a traffic accident could result in a much lower settlement for your injury claim. California’s comparative fault laws state that your compensation for a car accident can be reduced by the amount of fault assigned to you for the crash. Insurance companies understand this law and often try to use the law to reduce the amount of money they must pay to accident victims. If the insurance company can prove you were partially at fault, you do not receive as much money.
Therefore, never admit fault at the accident scene or when speaking to an insurance adjuster. Even saying you are sorry could be interpreted as admitting partial fault.
Car Accident Mistake Number 2 — Treating Your Injuries at Home
If you want to recover compensation for your injuries after a car accident, you must document those injuries. The best way to document your injuries is to see a physician after the accident. The insurance company will not accept your opinion of your injuries. It will want to see reports and medical records from a health care provider that proves you were injured in the car crash.
Therefore, it is a good idea to see a doctor after any car accident. It ensures that you receive the care you need for your injuries, but it also documents your injuries for a auto accident claim.
Car Accident Mistake Number 3 — Thinking That You Do Not Need a Sacramento Car Accident Attorney
Some car accident claims can be settled without an attorney. If the accident did not involve traumatic injuries and the insurance company admits that its driver was 100 percent at fault for the crash, you might be able to settle the claim without the assistance of an attorney.
However, insurance adjusters are always searching for ways to lower the value of a traffic accident claim. The adjuster’s job is to protect the insurance company, not the accident victim. It is not in the best interest of the insurance company to pay large settlement claims regularly. Therefore, adjusters are very careful to look for ways they can lower the value of your claim.
A Sacramento car accident attorney understands how insurance companies and adjusters operate. They also understand personal injury laws and other laws that govern car crash claims in California. The other driver and the insurance company have professionals protecting their interests; you deserve to have someone protecting you.
Contact a Sacramento Car Accident Attorney for a Free Case Review
It does not cost you anything to talk to a Sacramento car accident attorney. You are not under any obligation to hire our law firm after your consultation. You have nothing to lose by contacting our office, but you could lose thousands of dollars by trying to handle your car accident claim on your own.
To find out how our legal team can help you with your accident claim, call The Tiemann Law Firm by calling (916) 999-9000 or by visiting our website.
On average, 280 people are treated in emergency rooms each day for fireworks-related injuries in the month surrounding the Fourth of July holiday. Children sustain many of those injuries. According to the CPSC, more than fifty-three percent of the injuries related to fireworks are burn injuries. About one-third of firework-related injuries are to the hands and fingers, and about one-quarter of the injuries are to the head, face, and ears. Fireworks safety should be a priority for parents as we near the summer holiday season.
Fireworks Safety Tips to Prevent Accidental Injuries
To reduce the risk of firework-related injuries:
- Never allow children to play with fireworks, including firecrackers, sparklers, and bottle rockets.
- Younger children should not be allowed to ignite fireworks.
- Only use fireworks outside in an open area.
- Keep a bucket of water and a fire extinguisher nearby.
- Never hold fireworks in your hand or close to any part of your body when lighting the fireworks.
- When lighting fireworks, avoid placing any part of your body over the fireworks. Back away to a safe distance as soon as you light the firework.
- Wear safety goggles or other form of eye protection.
- Do not carry fireworks in your pocket. Friction can set off the fireworks.
- Make sure that fireworks point away from homes, buildings, vehicles, leaves, brush, and other flammable substances.
- Always light one firework at a time.
- If a firework does not go off, carefully place the firework in a bucket of water. Never try to relight a firework.
- Soak all used fireworks in water before disposing of the used fireworks.
- Never allow children to clean up firework debris. The debris may still be hot, and fireworks that did not fully ignite could explode.
- Only purchase fireworks from a reputable seller. The fireworks should be professionally packaged and labeled with instructions. Fireworks in brown wrapping or generic wrapping may be homemade and could be dangerous.
- Do not point fireworks at anyone – even as a joke.
- Always check with your local government agencies to determine if setting off fireworks is legal in your area.
What Should I Do If I Am Injured in a Fireworks Accident?
The first priority is your health. Seek immediate medical attention for your injuries. After you are stable, contact a California personal injury attorney to discuss a potential injury claim. If the party lighting the fireworks or organizing the fireworks display was negligent, that party might be held liable for your injuries and damages.
A manufacturer, distributor, or sell might be liable under California’s product liability laws if the firework was defective. If possible, retain the pieces of the firework and all packaging for your attorney to examine.
Contact a California Personal Injury Attorney About a Firework Injury
Fireworks are inherently dangerous. However, that does not excuse a party’s negligent or reckless actions. If a party is guilty of negligence or wrongdoing, that party may be liable for a firework-related injury.
For a free legal consultation with a California fireworks injury attorney, please contact The Tiemann Law Firm by calling (916) 999-9000 or by visiting our website.