FAQs

Medical bills are typically covered in a single lump sum settlement once your treatment is complete or you're ready to settle. In the meantime, you may need to use your own insurance to cover ongoing medical expenses. The final settlement will be negotiated with the responsible party's insurance company.

According to California insurance law, your rates should not increase for using UM or UIM coverage unless you're determined to be more than 50% at fault for the accident. Insurance companies are prohibited from raising premiums in these situations if you're not primarily responsible.

Personal injury settlements are typically finalized in one transaction. Signing a settlement agreement concludes your case, so it's crucial not to sign anything from the other party's insurance company without legal counsel. This includes avoiding signing medical liens or UM/UIM claim settlements with your own insurer without first consulting an attorney.

Documenting the scene with photographs is highly recommended. Early photographic evidence can be crucial, especially in cases like slip-and-falls, where conditions may change quickly. Prompt documentation prevents property owners from altering the scene, which could potentially weaken your case.

The value of your case depends on various factors, including the extent of your injuries, potential future medical needs, impact on your ability to work, and effects on your quality of life. Each case is evaluated individually based on its unique circumstances and long-term implications.

The primary factors in case valuation are economic losses, such as medical expenses and lost wages, and non-economic damages, which include impacts on your future work and personal life. Our experienced attorneys can help ensure all relevant factors are considered during settlement negotiations with insurance companies.

For answers to your questions, please contact Padilla Law Group, LLP in Encinitas. We offer free consultations and serve clients throughout Northern San Diego and California. Our team is ready to address your concerns and provide guidance on your personal injury case.