Posted on Wednesday, June 26th, 2019 at 12:43 am    

Traffic is something that every motorist in Sacramento County must contend with during their daily commutes. At times, traffic can be overwhelming. Unfortunately, auto accidents are bound to happen with that many people on the road at one time. Sadly, many of the crashes that occur are preventable. A driver who is distracted, speeding, driving recklessly, intoxicated, or drowsy can make mistakes that lead to collisions and significant damages.

If a driver causes an accident, that driver can be held liable for damages and losses that victims sustain because of the crash. Filing an insurance claim with the driver’s insurance provider is the first step in recovering compensation for your claim. If the driver’s insurance provider accepts liability for the claim, you can receive compensation for a variety of damages.

Examples of damages that may be related to a car accident include:

  • Medical bills
  • Property damage
  • Loss of income
  • Travel expenses to doctor’s appointments
  • Personal care
  • Assistance with household services (i.e. lawn maintenance, washing clothing, cleaning, etc.)
  • Medications and medical equipment
  • Scarring and disfigurement
  • Permanent impairment and disability
  • Physical, emotional, and mental pain and suffering


The value of your accident claim includes out-of-pocket financial losses and expenses as well as noneconomic damages or pain & suffering damages. It can be difficult to calculate the value of an accident claim, especially claims that involve traumatic injuries and permanent impairments. In addition to the damages to date, you may also be entitled to future damages for ongoing medical treatment and loss of income.

What Happens When the Value of My Claim Exceeds the Driver’s Liability Coverage?

The insurance company for the other driver is only liable for damages up to the policy limits of the driver’s liability insurance policy. However, that does not mean that the driver is not personally liable for the damages. You could file a personal injury lawsuit against the driver seeking a personal judgment. If you obtain a personal judgment, you can try to collect on the judgment, but if the person does not have assets that can be levied to pay the judgment, you have a worthless piece of paper.

There may be another option. If you have underinsured motorist coverage, you may receive compensation for your car accident claim from your insurance provider.

What is Underinsured Motorist Coverage?

Underinsured motorist coverage protects you if another driver causes an accident and does not have enough insurance or funds to pay your claim in full. Once you settle your claim with the insurance company for the other driver, you can file a claim against your underinsured motorist coverage for any damages that were not paid by the other company. Depending on the policy limits of your underinsured motorist coverage, you could receive full compensation for all damages.

Contact a Sacramento Auto Accident Attorney for Help

There could be other sources of compensation for your accident claim. Our legal team thoroughly investigates every aspect of your accident to identify all parties who might have some liability. We also research all potential sources of compensation to maximize the chance that you receive the highest amount possible for your personal injury claim.

If you need help with an accident claim or you have questions, schedule a free consultation with a Sacramento auto accident attorney by calling The Tiemann Law Firm at (916) 999-9000.

Client Testimonials

Hanna Padilla Testimonial
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From the very start of my case the Tiemann Law Firm was wonderful. Perter came all the way to my home to sit down and talk to me about my options. He made me and my partner feel very comfortable and promised us he would take the very best care of my case. Peter kept me informed every step of the way and was always on top of things. everything was done in a timely manor and I always felt like I was the only case he was working on because he was so fast. In the end Peter got me back way more money than I ever expected. I would recommend this law firm to everyone. I am very happy with the outcome of my case thanks to the Tiemann Law Firm! Thank you!

Matt H. Testimonial
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I was in a car accident a while back where I was injured and had to miss work for an extended period of time.  After nearly a year of fighting with the insurance company with no results and no progress, I met with Jelena Tiemann.  I couldn't have asked for a more responsive and supportive advocate.  We quickly reached a settlement and I finally was able to move from the stress and burden of feuding with my insurance.  I highly recommending meeting with Jelena if you're in need of a lawyer.

Star Fire Testimonial
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It is hard to put into words the care and dedication that I received from the Tiemann’s. They have been here for me every step of the way and were always available when I had questions or concerns. My husband and I will be forever grateful for everything they have done for us and our family. Thank you so much for all of the hard work and time you have put into my case, we greatly appreciate it and your friendship. We highly recommend this firm and will always be thankful for everything they have done. Thank you so much again, Kim

Lendzey Garcia
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I was in a very bad/ major car accident I originally had an attorney who wasn’t trying to help me out much or take any of my calls so I called Tiemann and told them my situation. They made it an AWESOME and Smooth transition over to them and took on both cases I had. I just settled on my big case and am beyond great full. For them and their team! I highly recommend them. To add on to this a little On how much they will work with you, I moved to Montana in the middle of all Of this and it was not an issue!

Maye Ly Testimonial
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I just saw my lawyer Jelena Tiemann on a t.v ad, which reminded me how much she helped when I was in a desperate situation. I just love her! That is why I feel a need to tell everyone. I had a situation that happened & didn’t know what to do, our where to go. I didn’t even know if she could help me or if any lawyer could. All I wanted was it to go away & was afraid most lawyers wanted to drag it out & possibly go to court. For one she was very professional but was very personable (maybe b.c she’s a lady). She didn’t make me feel embarrassed or self-conscious that I did something wrong or was the cause of the situation. She immediately said we should try our best before going to court. Let me handle some paperwork, if at the last we do go to court we have documents. She gave me all the details, pros and cons but reassured me she deals with these cases all the time. She came through and made it as painless as possible. I now have my life back.