Rear-end car accidents are often referred to as “fender benders” or “minor bump ups” by insurance claims adjusters. However, there is nothing “minor” about a rear-end crash. Rear-end car accidents can cause severe injuries for vehicle occupants and significant property damage to vehicles. A California car accident attorney with the Tiemann Law Firm can help you file and settle an insurance claim for property damage and personal injury after a rear-end accident.
Problems Caused by Rear-end Car Accidents
Rear-end car accidents often cause damage to rear bumpers and taillights. However, rear-end collisions may also cause damage to your vehicle that is not easily identifiable. In many cases, an experienced repair technician must carefully examine the vehicle to determine the full extent of property damage caused by the rear-end crash.
Four types of property damage that can be overlooked after being hit in the rear by another vehicle include:
A rear-end crash can cause your wheels to be out of alignment. Misaligned wheels can cause premature, uneven tire wear. It can also cause dangerous driving conditions and reduce the ride comfort for drivers and passengers. For example, misaligned wheels often cause the steering wheel to be wobbly, which could interfere with your ability to swerve or control the vehicle. You may notice unusual vibrations, which can make rides less comfortable.
Damage to the truck can cause serious trunk malfunctions and glitches that can result in added property damage. In some cases, the damage could be dangerous as in the case of trunks popping open while driving because of damaged latches and locks. A damaged trunk could be difficult to open. Rear-end accidents can also damage the seal around the trunk allowing water to seep into the trunk causing damage to the trunk and any contents within the trunk.
The impact of a rear-end crash can cause the vehicle’s frame to bend. If a bent frame is not repaired, it can cause problems such as reduced frame strength, misalignment of warning system sensors, and unnecessary wear on tires and other parts. A full inspection by an auto body shop is strongly recommended after any collision.
Electrical System Problems
Even though you may not see the damage, rear-end accidents can loosen wires throughout the vehicle. Loose wires compromise the electrical systems in your vehicle, including your lights, battery, signals, sound system, and warning sensors. Having the wiring system checked by a professional can prevent unexpected, stressful, and costly problems in the future.
Why Should You Have a Complete Vehicle Inspection After Rear-end Car Accidents?
The above four examples are just some of the problems and damage that can go unnoticed after a rear-end crash. If the damage is not repaired, you could face costly repairs that are not covered by insurance. Once you settle your property damage claim, the insurance company is not legally responsible for any further damage you may discover, even if the damage was caused by the crash. It is better to have your vehicle inspected thoroughly to ensure all damage is reported and repaired before you settle the property damage claim.
Contact a California Car Accident Attorney for Help
Insurance claims involving rear-end car accidents can be difficult. Insurance adjusters may not be willing to admit that a rear-end crash can cause severe damage and injuries. An experienced car accident lawyer in Sacramento can help you fight for a settlement that is fair and just given the damage to your vehicle and your injuries.
Contact our Sacramento rear-end accident attorneys for a free consultation by calling (916) 999-9000 or by visiting our website.
California requires all drivers to provide proof of financial responsibility for vehicles operated within the state. Most individuals purchase car insurance coverage to meet the requirements for financial responsibility. The state has set minimum coverage amounts for liability insurance that each driver must purchase.
The current car insurance requirements for California drivers are:
- Bodily injury coverage (liability coverage) in the amount of $15,000 for injury or death to one individual
- Bodily injury coverage of $30,000 for injury or death per incident
- Property damage coverage in the amount of $5,000
The bodily injury and property damage coverage are not the only two types of car insurance you can purchase. There are benefits of increasing the coverage amount and purchasing additional car insurance coverage. However, some of the terms may not be familiar, especially for first-time drivers.
Our Sacramento car accident attorney discusses some of the common car insurance terms you should know before you are involved in an auto accident.
Car Insurance Terms You Should Understand Before a Traffic Accident
Required Car Insurance Coverage
- Bodily Injury Coverage or Liability Insurance — This type of car insurance compensates victims for their injuries and damages when you cause a traffic accident. The insurance company is only liable for the policy limits. Therefore, to protect your personal assets, it may be wise to purchase higher amounts of liability insurance than the state requires.
- Property Damage Liability Insurance — Property damage coverage pays for the damage to other vehicles when you cause a motor vehicle accident. This insurance coverage may also pay for damage to other items of personal property that is damaged in the crash. It does not pay for your property damage.
Optional Car Insurance Coverage
- Collision Insurance Coverage — Collision coverage pays to repair damage to your vehicle if you hit another object. It also pays to repair your vehicle if you cause a traffic accident. Lenders typically require collision insurance when vehicles are used as collateral for loans.
- Comprehensive Insurance Coverage — This type of coverage pays for damage to your vehicle from other perils, such as fire, theft, falling objects, and most natural disasters. Lenders also require comprehensive insurance when you use your vehicle as collateral for a loan.
- Deductibles — Your deductible is the amount of money you must pay out of your pocket before your insurance provider pays any benefits under a collision or comprehensive insurance policy. In most cases, people choose high deductible to lower the premium for insurance. Unfortunately, this choice may hurt them after an accident if they do not have the funds to pay the deductible.
- MED Pay — Medical payment insurance coverage pays medical expenses if you are injured in a crash, regardless of who is at fault. It can be very useful even when another driver causes the crash because you can get help with medical bills immediately instead of waiting until your car accident claim settles.
- Personal Injury Protection — PIP is another type of no-fault insurance that can be very helpful. They type of car insurance pays for a portion of your medical bills and lost wages after a traffic accident, regardless of fault. It may also pay for other expenses, depending on the policy.
- Underinsured and Uninsured Motorist Coverage — UM and UIM coverage is very important, even though it is optional. UM insurance pays for your damages if an uninsured driver causes the crash. UIM insurance pays for damages caused by another driver who does not have sufficient insurance coverage to pay all damages.
Talk to Your Car Insurance Agent
There are other options available in addition to the above types of coverage. It is important to discuss your needs and your budget with your insurance agent. It is typically best to purchase as much car insurance coverage as you can afford to protect yourself, your family, and your personal assets.
Contact a Sacramento Car Accident Attorney for Help
For a free consultation, you can contact The Tiemann Law Firm by calling (916) 999-9000 or by visiting our website.
California wildfires cause billions of dollars in damages and losses. The full extent of the damage caused by the Camp Fire that has consumed thousands of acres of land, homes, businesses, and personal property will not be known for a long time. Victims will have long-term losses as they struggle to secure housing, replace personal items, find jobs, and pay bills. For the victims who suffered physical injuries, the pain, suffering, and medical expenses may continue for many years or the rest of their lives.
It is important for survivors of the Butte County Camp Fire to take steps to protect their rights to recover compensation for their losses. Our Northern California Wildfire attorneys are providing support, guidance, and practical advice about how to file insurance claims and liability claims to recover compensation for losses.
Compensation for Damages and Losses After a Northern California Wildfire
You may receive substantial compensation for your losses and damages as a survivor of the Camp Fire. Examples of damages and losses that you may receive compensation for by filing an insurance claim or a liability claim include:
- Loss or damage to your personal home, rental property, or other structures on your land
- Loss or damage to personal property, including vehicles, furniture, clothing, jewelry, photographs, etc.
- Physical injuries and loss of life
- Loss of business assets and loss of business income because of an interruption to business
- Damage to and loss of agricultural products and property
- Loss of income
- Medical expenses
- Expenses related to relocation
- Loss of surrounding trees and vegetation
The above list is not an exhaustive list of all losses and damages incurred by survivors of the Butte County Camp Fire. Our Northern California wildfire attorneys assist you in documenting your losses and damages. We guide you through the process of identifying all damages to maximize the value of your insurance claim or liability claim.
What Should You Do if You are a Butte Camp Fire Survivor?
If the Camp Fire has impacted you, there are some things you should prioritize as you continue to recover from the devastating consequences of the wildfires. Secure housing for yourself and your family so that you can take care of your immediate needs. You should see a physician as soon as possible if you are physically injured or need help with emotional issues.
Practical steps to remember:
- Register with FEMA and other agencies to receive relief information and assistance.
- Secure a post office box and have all mail forwarded to the PO Box.
- Contact your insurance providers to file a claim and receive emergency benefits.
- Save all receipts and documentation related to expenses and losses.
- If you are allowed to return home, make videos and take photographs before making any repairs or removing any property.
- Contact a Northern California Wildfire attorney to discuss steps to protect legal rights.
Call Now For Your Free Case Review
Contact The Tiemann Law Firm by calling (916) 999-9000 to speak with an attorney. You do not need to navigate a wildfire insurance claim or liability claim against a third party alone. We are here for you and your family.
As of November 18, 2018, The Butte County Camp Fire is only 60 percent contained. The wildfire has burned roughly 149,500 acres and destroyed 12,794 structures, including homes and businesses. Seventy-seven (77) people are confirmed dead, and 1,276 people are missing. Unfortunately, these statistics change each day until the fire is fully contained. It could be weeks or months before we know the true devastation caused by the Camp Fire. Who is responsible for these damages and losses?
PG&E’s Alleged Responsibility
for the Camp Fire
Last year, Pacific Gas and Electric Co. (PG&E) was responsible for causing 17 wildfires, according to investigations by Cal Fire. At this time, Cal Fire has not released any information about the cause of the Camp Fire. The department continues to investigate the cause of the fire. However, numerous reports allege PG&E may be responsible for causing the Camp Fire currently raging in Butte County.
PG&E has submitted an incident report stating that it experienced a problem with its high voltage line near Pulga. Within a few minutes of the report, Cal Fire received reports of a fire in the same area. That fire is now the Camp Fire that has devastated Paradise, Concow, Magalia, and other surrounding areas. A second incident report has also been filed stating that PG&E also had a problem with a high voltage line near Concow the same morning.
Even though Cal Fire has confirmed they are conducting investigations in the areas involved in both reports, it has not released any further information about the investigation. PG&E confirmed that the company is cooperating with Cal Fire including the department’s collection of equipment related to the investigation.
In addition to the incident reports, the owner of Pulga reportedly received an email from PG&E the day before the fire. The email allegedly said that PG&E would be on her property to check lines because “they were having problems with sparks.” The owner is not aware of what the utility company may have done while on her property working on the lines or checking the equipment.
Monitoring the Developments
in the Camp Fire Investigation
Our Northern California wildfire attorneys are carefully monitoring the developments in the fire investigation. As more information is available, we will update our information. Lawsuits are already being filed against PG&E by some of the victims of the Camp Fire.
If you or someone you know has suffered an injury or incurred damages because of the fires in Butte County, we encourage you to contact our office for a free case review. Individuals and families who have been impacted by the Camp Fire may be entitled to compensation for their losses. However, you must file a claim and take steps to protect your legal rights.
Call Now for Your Free Appointment
with a Fire Camp Claims Attorney
Contact The Tiemann Law Firm by calling (916) 999-9000 to schedule a free consultation with one of our Butte Camp Fire attorneys. We want to help you recover the compensation you deserve for your losses and damages, so that you can continue to rebuild and recover after a devastating wildfire.
With over a million people calling Sacramento County home and hundreds of thousands of people visiting Sacramento County each year, the rental car industry is very busy. It is likely that you share the road each day with several rental cars, especially if you travel near airports, train stations, hotels, resorts, and tourist attractions. Unfortunately, a recent study claims that rental car drivers can be more aggressive, more inattentive, and display poor driving skills.
Because you could be in an accident involving a rental car, it is a good idea to understand what to do after a rental car accident.
Report the accident to the police and request assistance. Do not let the driver talk you out of reporting the accident. Accident claims involving rental cars can be complex. You need to have documentation that the accident occurred. In addition, the police report might also implicate the other driver in the cause of the accident, which could help you with your claim.
Are you injured?
You need to determine whether you need emergency medical services. If you believe you may be injured, it is best to seek medical services immediately. Documenting your injuries after a car accident is crucial. A delay in treatment may create problems with your insurance claim.
Ask for information.
In addition to the typical information you ask for after any traffic accident (name, driver’s license number, tag number, insurance information, etc.) you need to ask the driver to provide you with the rental car information. Make sure that you get the name of the rental car company, the name of the person who rented the vehicle, and the contact number for the rental car agency.
Document the damage.
Make sure to take photographs and make pictures of the accident scene and each vehicle involved. Pay special attention to the damage to each vehicle, skid marks, and any traffic signs or signals.
Report the claim to the insurance company.
In most cases, the driver’s car insurance covers accidents when the person is driving a rental vehicle. However, this is not always the case. In a rental car accident claim, you may have multiple insurance companies involved in the accident claim.
For instance, the driver’s car insurance provider may be the primary source of compensation. However, you could also have a claim against an insurance provider for the rental car company if the driver opted to purchase insurance coverage when he rented the vehicle. You may also have a claim against your insurance provider for an uninsured or underinsured motorist claim.
Therefore, you need to place all insurance companies on notice of a potential claim. However, you must be incredibly careful when dealing with an insurance company, even your own insurance provider. Insurance companies take measures to reduce their liability for a claim. You do not want to make a mistake that could reduce the money you receive for your claim. Working with an experienced Sacramento rental car accident attorney is strongly recommended.
Call Now for Your Free Case Review with a Sacramento Rental Car Accident Attorney