In California, all drivers are required to have insurance. This includes at least $15,000 for injury or death to one person, $30,000 for injury or death to more than one person and $5,000 for property damage. If you’re involved in an accident, this insurance allows you to file a claim with insurance companies for potential financial recovery.
However, dealing with insurance companies can sometimes be challenging. In some situations, the challenges may be so great that you’ll need to take the matter to court.
Instances where court intervention is necessary
In California, there are several reasons why you might need to take a car accident claim to court:
- Disagreement over fault: If those involved in the accident can’t agree on who is at fault, a court may need to decide.
- Dispute over damages: If there’s a disagreement about the cost of damages, like medical bills, car repairs or lost wages, a court may need to resolve it.
- Insurance company refusal to pay: If the insurance company denies your claim or offers a settlement that’s too low, taking the matter to court could be your next step.
- Severe injuries or high damages: If your injuries are serious or the damages are high, and the insurance doesn’t cover all the costs, a lawsuit might be your only option to get full compensation for all your losses.
- Failure to settle: If negotiations with the insurance company don’t result in a satisfactory settlement, you might take the matter to court.
These instances show why you might need court intervention. If you can’t agree with insurers, you can consider filing a lawsuit. But this means weighing the potential benefits against the time, effort and stress of a court case.
Escalation may require legal help
The legal process in California can be complex, especially if you’re unfamiliar with the state’s car accident laws. Before deciding that going to court is the right step, it’s essential to understand the process, consider your situation and explore all your options.
Deciding to go to court isn’t an easy choice. But, if negotiations fail or you’re not offered fair compensation, a lawsuit could be your only viable option. In these cases, consider seeking a lawyer. Seeking the help of legal counsel can help you understand the merits of your case, potential outcomes and the risks involved. They can also handle court proceedings and represent your interests if needed.