Car Accidents, Crashes, and Injuries – February Rain Hits Los Angeles, Orange County, and San Diego

Over the last month of rain, car accidents and crashes have been happening all over Los Angeles, Orange County, San Diego, Riverside, and San Bernardino.  Many accidents/crashes have been due to heavy rains and slick roads, as well as other dangerous road conditions.

A violent fatal crash happened in Chatsworth on DeSoto Avenue and Plummer Street this weekend between a Infiniti and Toyota, including serious injury to a 9 year old girl who is in critical condition.  Another man from Granada Hills was also injured, while the driver and passenger for the 9 year old girl died at the scene.

A suspected DUI crash happened near Central Avenue and 33rd, injuring all seven people in the Honda Accord. Multiple passengers have head traumas (including one thrown from the car 80 feet), and the driver fled on foot but was later found and arrested.  Of the seven people in the car, only one was wearing a seat belt.

The rains (and even snow!) has caused serious car crashes and accidents from Los Angeles to San Diego.  Snow even covered San Diego mountain areas closing some roads and forcing San Diego Sheriff’s Department to ask drivers to stay home due to dangerous driving conditions.

As we know from our previous post about weather conditions, they can seriously increase the rate of accidents and crashes.  These cause serious injuries like whiplash, neck and back pain, broken bones, head traumas, and a variety of strains/sprains.  Please be safe and always wear a seatbelt!  Also make sure you have proper tires (and chains if needed) when heading up into the mountains for a snow adventure.  Watch out for black ice and slick roads after rain and snow.

If you have been in a car accident or crash, first get to a safe area and call an ambulance for any injuries.  Make sure to obtain a police report, contact your insurance company, and immediately call a attorney like those at Injury Compensation Law (714-627-2622).  Always get checked out by a doctor immediately, and pay attention to any pain that arises in days/weeks following the accident. A personal injury (or workers compensation if driving on the job) attorney can help you navigate the complicated insurance system, send you to the best doctors, and get you back to your life as soon as possible.

What Are Policy Limits? How Do They Affect My Personal Injury Claim?

While everyone is required to have car insurance (read as: required, but may not always have), many of my clients don’t understand how the policy limits for their insurance coverage work until they are in a car accident. By that point, it can be too little, too late.

So let’s start from the beginning. Policy limits are the maximum benefit an insurance company will pay for a policyholder if/when an insured event occurs. Meaning, the limits are the maximum amount your insurance company is contracted to pay in an accident. Now, don’t confuse that to mean that is how much they will pay in any accident. It just means that your insurance company is not required to pay any more than what you agreed your policy limits would be.

Typically, your policy limits are expressed as three numbers. For this explanation, we will use the California minimum, 15/30/10. The first number, 15, represents your per person, bodily injury limits of $15,000. Meaning, if someone gets hurt and you are found liable for the accident, your insurance will cover up to (but not exceeding) $15,000 of any one person’s damages. The 30 represents $30,000 total bodily injury coverage per accident, meaning your insurance will not pay over $30,000 for the entire accident. So, if multiple people are involved, they all have to share that $30,000, not matter what the circumstances. The last 10 in the series translates to $10,000 property damage per accident.

So, how does this affect your accident? Depends on which side of the table you sit.

If you are found liable for the accident (i.e. the accident is your fault), your limits will be the maximum amount your insurance covers for any damages. On the plus side, your insurance will cover you. On the downside, if the other person(s) involved in the accident suffer damages much higher than your policy limits, you can be found responsible for the difference.

If you are the injured party, the at-fault party’s limits will control the maximum policy limits that will be paid out by the insurance company. The good news, the other party has readily available funds to help with your damages. However, those funds are limited which can leave you in a tough spot. The limitations become even more apparent when there are multiple cars involved in the accident. The policy limits are the maximums per accident, and they are not increased no matter how many people or how severe the accident may be. There are way to protect yourself through your own insurance by paying for uninsured/underinsured motorist coverage.

Policy limits can have a huge impact when you are in a car accident, and you need to know what that could mean for you. If you have been in an accident, consult with a personal injury attorney to help navigate your accident and make sure you understand your rights and protections. The lawyers at Injury Compensation Law PC provide excellent service and quick resolution, and there are no fees until compensation is obtained.  You can reach the Los Angeles/Orange County/Inland Empire office at 714-627-2622 or the San Diego office at 619-550-2111. Drive safe!