Dealing with a personal injury can be a painful, emotional, and expensive experience. Not only do you have to heal from your injuries, but you also have to worry about medical bills, missed work, and legal battles – it can throw your entire life for a loop. Fortunately, various types of insurance play a significant role in personal injury claims.
Our firm can help with all the legal paperwork and procedures involved in getting the money you deserve from an insurance company, so you do not get lost in the shuffle. A Los Angeles personal injury attorney will fight for your rights. The following guide explains the vital role that insurance – specifically your car, life, and home insurance policies – can play in getting fair compensation and how a lawyer can help with the process.
Home Insurance and Personal Injury
As a homeowner, you may be liable for the medical bills of people injured in your home. For example, the property owner may be liable if someone falls down the stairs, trips over a loose floorboard, or slips on a rug and breaks their arm. You might also have to pay for lost wages due to missed time at work or even compensation for pain and suffering. All this falls under the umbrella of premises liability.
Premises liability is a common cause of personal injury claims. If you own a home, you also own the property it sits on, which sometimes can lead to a slippery slope.
If someone gets injured on your property, they might sue you – this is where premises liability insurance comes in. This coverage protects you against lawsuits that happen on your property. It applies to the injuries other people sustain as well as damage to their property. According to California law, a property owner is legally liable for injuries sustained within their property.
Role of Premises Liability in Personal Injury Claims
When someone is injured on another person’s property, various factors come into play to determine if the property owner is responsible for their damages – for example, how the injury happened, where the injury occurred, and if the injured party was permitted to be on that particular part of the property.
To file a premises liability case in LA, you must demonstrate that the property owner had a duty of care to ensure that their premises were reasonably safe. A Los Angeles personal injury lawyer can help establish this duty of care and fight for fair compensation, which may include medical bills, lost wages, and pain and suffering.
Types of Premises Liability Cases
Some of the most common types of premises liability claims include:
- Slip-and-fall accidents
- Injuries caused by broken stairs or balconies
- Dog bites or animal attacks
- Swimming pool accidents
Life Insurance and Personal Injury
If you are injured in an accident, it can be challenging for you and your family to recover financially. Depending on the severity of your injuries, you may not be able to work for a long time – or ever again. Also, there will be medical bills and other expenses that must be paid while you recover. If your injury is permanent and affects your ability to earn an income, you will need money to live on while your family adjusts.
This is where life insurance comes in. In some cases, life insurance could pay out hundreds of thousands or even millions of dollars for personal injury, depending on the type of policy you have (and how much coverage).
Role of Life Insurance in Personal Injury Claims
Life insurance can be vital in personal injury lawsuits. Someone who has a life insurance policy can be named as a defendant in a lawsuit, and the proceeds of that policy may be used to pay a verdict or settlement – especially if that person’s conduct was the cause of a personal injury.
For example, say a driver speeding through an intersection runs over a pedestrian. The pedestrian is killed instantly. The pedestrian’s family files a lawsuit against the at-fault driver. In this scenario, the driver’s life insurance policy would likely come into play because their negligent actions led to the pedestrian’s death.
Personal injury attorneys are at the center of personal harm litigation. With personal injury cases, there are often complex medical and insurance issues and multiple parties involved. Your Los Angeles personal injury lawyer can help you navigate them all to receive maximum compensation.
Car Insurance and Personal Injury
If you are injured in a car accident, you may be entitled to personal injury compensation.
According to the California Department of Motor Vehicles (DMV), a driver must carry evidence of insurance in their vehicle at all times.
The law also requires that drivers carry liability insurance. If someone else causes an accident and is found liable for your injuries, their liability insurance coverage should help pay for your expenses related to the accident.
In addition, when you suffer personal injury in LA due to a car accident, you will likely need a lawyer to prove the driver’s fault during the insurance claim process. This is especially true given that California is an “at-fault” insurance state – in other words, the driver deemed responsible for the accident is liable for paying the costs of any injuries or property damage.
Personal Injury Protection (PIP) Coverage
It is important to note that drivers can also have PIP coverage in Los Angeles, but it is not legally compulsory. PIP coverage applies regardless of who caused the accident, so it can help cover your medical bills and other expenses even if the other driver is uninsured or underinsured.
Role of Car Insurance in Personal Injury Claims
While the driver of the at-fault vehicle is usually responsible, there are other factors to consider in the event of a personal injury claim.
First, we consider whether or not either party has insurance. If so, the insurance company will likely pay for all damages up to the policy limits (or up to the amount covered by their insurance policy). This is where things can get complicated – if you are injured and require ongoing treatment, you may need to file a personal injury lawsuit to cover additional medical expenses.
In most cases, this will be handled by both parties’ insurance companies. But if one or both parties have insufficient coverage, you may need to file a lawsuit against the other party directly. The minimum liability requirement for private passenger vehicles in Los Angeles is $15,000 for the injury or death of one person.
Car Insurance Purchasing Tips
Choose a PPI policy, a no-fault type of insurance coverage that pays your medical expenses regardless of who caused the accident. PIP offers protection from out-of-pocket expenses and can cover medical bills, lost wages, funeral costs, or more.
Also, choose a liability limit that meets your needs. The minimum amount of liability coverage required by California law is:
- Bodily harm liability – $25,000 per person or $50,000 per accident
- Property damage liability – $15,000 per accident
If you want to purchase higher limits, that is fine. Just make sure that you have enough to cover any claims against you or your passengers.
Lastly, consider uninsured or underinsured motorist coverage. If you get into an accident with someone who does not have auto insurance or only has minimal coverage, this coverage can provide added protection for your injuries.
The Truth About Personal Injury and Insurance
The truth is that you cannot predict the future, but you can protect yourself from financial loss through insurance coverage. Multiple types of insurance can help cover your personal injuries in Los Angeles. Depending on the circumstances of your injury, you might be able to file a claim with more than one type of insurance.
It is hard to know how long it will take to recover damages. But you need to understand your insurance policy, so you at least know what benefits are available if something happens.
And finally, insurance companies offer many different options for policies. For example, some companies offer “uninsured motorist” coverage while other companies offer “underinsured motorist” coverage — both designed to protect you from accidents caused by drivers who have little or no insurance at all.
Contact a Los Angeles Personal Injury Attorney Today
A personal injury attorney from KJT Law Group can guide you through the process of filing a claim, negotiating with insurance companies, and representing your best interests in court if needed. Our team will work to ensure that your rights are protected as we pursue fair compensation for your injuries.
The lawyers at KJT Law Group will carefully evaluate your case to determine if there was any negligence involved in causing your injury. If so, we will do all we can to hold the at-fault party responsible for your damages.
To get started and learn more about your options, call us today at (818) 507-8525 for a free case review.
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Looking to pursue a personal injury case? Reach out to us online or by calling (818) 507-8525 to schedule a complimentary consultation and case evaluation today.
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