San Diego Personal Injury and Accident Blog

Joseph Dang 5 Star Reviews

Beware the full and final settlement

Beware the Full and Final Settlement In Your San Diego Injury Case If someone damaged your car, their insurance company may offer to settle your claim directly with you. In my experience their offer is usually much lower than what you deserve. That’s just how they operate. So oftentimes, a dispute will develop between the car owner and the insurance company. The insurance company may try a trick where they offer you a lower amount, and then send you a check in that amount. If you disagree with the amount they want to pay you, be careful in accepting and cashing any check sent by the adjuster. Make sure you take a look at the check, and look for words such as “Full and Final Settlement” or “Payment in Full” or any other words that resemble these. This is important because if you cask that check, and the check contains these words, you … Read More

When does hiring a lawyer increase the value of a San Diego personal injury case?

When does hiring a lawyer increase the value of a San Diego personal injury case? Studies by the Insurance Research Council (an insurance organization) consistently show, injured victims who hire attorneys to represent them in their car accident cases, recover 40% to 350% more than those who don’t. Why? Because insurance companies hire adjusters to pay you as little as they can get away with. So if you don’t hire an attorney, they will often refuse to pay you reasonable value for your injuries. Without a reasonable threat of a lawsuit, they will offer unreasonably low amounts, hoping you get frustrated and settle. Unfortunately this happens enough for them to keep with this strategy. When hiring a San Diego personal injury attorney doesn’t help There are times when perhaps hiring a lawyer will not help. When the accident, injuries and medical costs are relatively minor, you might not gain a financial … Read More

Are you fighting Mercury Insurance in your car accident case?

Were you involved in an accident where the other driver has Mercury Insurance? Be prepared for a big fight. In a bad faith action against Mercury, it was revealed that first line adjusters at Mercury have only $2,500 authority. Their supervisors had $10,000 authority. The only person who had authority at $50,000 or above was the regional manager who supervises all of Southern California, Arizona and Florida. What does authority mean in a car accident case? When an adjuster gets your file, they evaluate the case, and set a “reserve.”  A reserve is what they think the case is worth, and will not offer any more than that, without getting permission from someone more senior than them. But, there is a cap on what they can set their reserve at. This is the “authority.” If they evaluate a case and think the case is worth $7,500.00, but their authority is only $2,500.00, … Read More