Most drivers know that California is among the litigious and bureaucracy-filled states in the country. The State regulates most facets of life, including car accidents. Therefore, the laws outline what to do after a collision.
If you have trouble navigating the legalities of vehicle collisions in California, you’re not alone. That’s why you can call legal professionals, such as JT Legal Group, and ask for help.
For example, the California Department of Insurance offers several steps to take post-accident. It starts with understanding what to do if a collision occurs. Then, discuss vehicle insurance fraud and body shops.
Some individuals might become overwhelmed by the dos and don’ts. With a personal injury legal professional by your side, you have a guide who understands the process.
In the meantime, we offer a brief overview of California car accident laws – five things to keep in mind.
1. Post-Accident To-Dos
Following a vehicle collision, everyone involved and those who witness it should stop what they are doing and contact 911 if anyone spots an injured individual.
Then, individuals involved in the collision must call the local authorities. Some people want to skip this step. However, the local authorities document the accident.
They confirm it, and the report serves as evidence for those who will file a claim through their insurance provider. Next, trade information with the other parties. Obtain names, addresses, phone numbers, and driver’s license numbers.
Individuals should also take note of the other vehicle’s license plates and vehicle identification number.
Most people leave home with their smartphones. Thus, use it to take pictures of the scene.
Now you’re ready to notify your insurance company of the incident and start the claims process.
Lastly, if the collision results in injuries or damage exceeding $750, the parties must notify the Department of Motor Vehicles within 10 days of the incident.
2. The Insurance Company Role
Sometimes individuals feel like their insurance company gives them the runaround during the claims process. The State aims to set expectations when dealing with the insurance claims department.
Insurance companies follow their process. Plus, they fill out tons of documents.
Keep in mind that legal teams that specialize in personal injury have experience working with insurance companies. Therefore, they help the process move along faster.
3. Things to Avoid
People react to vehicle collisions differently. Those involved might experience shock and trauma. Others might become heated and lash out.
California advises individuals to avoid arguing with the other drivers and passengers. Then, avoid talking to witnesses and bystanders. Instead, save your story for the local authorities.
Moreover, you want to recall as many details as possible so that the report is complete.
Avoid signing documents that you don’t understand. It’s best to consult with legal professionals who can explain them to you.
4. Fair Claims Settlement Practices Regulations
One reason California micromanages several facets of its residents’ lives is to protect them. Since insurance companies may not pay out all claims, consumers must remain organized and build a strong base.
In addition, vehicle collision victims have rights. The Fair Claims Settlement Practices Regulations outline the insurance company’s responsibilities. For example, they cannot stretch the timeline unless it meets the criteria.
The regulations also oversee the fair settlement amount. It must include consumer fees, such as taxes and transfer fees.
5. Auto Body Repairs and Replacements
Auto body repair shops have garnered a negative reputation. Some shops have shady business practices. Therefore, California aims to protect consumers against fraud at a vulnerable time.
Consumers can pick the body shop that will repair accident damage. However, the insurance company can list options for their clients. When figuring out how to fix collision damage, consumers must obtain documentation from their insurance company and the body shop.
If your insurance company tasks you with obtaining two estimates before they approve repairs, the State advises individuals to comply. Then, the insurance company cannot turn down reasonable costs.
One reason why body shops earned a negative reputation is that they started using generic parts in replacements instead of authentic ones. Then, they charged consumers a higher price.
Individuals who require vehicle repairs must obtain documentation from the shop and keep it with their insurance paperwork. Otherwise, things can become chaotic.
Conclusion
Few people want to find themselves involved in a vehicle collision. If it happens to you in California, you must complete several steps. Mainly, the state wants to record the incident with the proper departments. Then, they can take action, such as placing the information on the appropriate driver’s licenses.
