Insurance Claim FAQs
These FAQs answer common questions about insurance claims, getting a rental car after an accident, and the role of an insurance adjuster.
1. Can I get a rental car after an accident?
Yes, if the other driver was at fault, their insurance should cover the cost of your rental car while your vehicle is being repaired. If you’re using your own insurance, check your policy for rental reimbursement coverage. Make sure to clarify the daily limit and coverage period before agreeing to a rental.
2. Should I accept an insurance company’s settlement offer?
Not right away. Insurance companies often offer quick settlements that are far lower than what your claim may actually be worth. Once you accept a settlement, you typically waive your right to pursue more compensation later—even if new injuries or damages come to light. It’s always best to consult an attorney before agreeing to anything.
3. What does an insurance adjuster do?
An insurance adjuster works for the insurance company, not for you. Their job is to evaluate your claim and minimize the amount the insurer pays. They may seem friendly, but remember—they’re trained to protect their company’s bottom line. Be cautious about what you say and avoid giving recorded statements without legal advice.
4. How long do I have to file an insurance claim after an accident?
In California, you generally have two years to file a personal injury claim and three years for property damage. However, insurance companies may require you to notify them much sooner—often within days of the accident. The sooner you file, the better your chances of a smooth claims process.
5. What if the other driver doesn’t have insurance?
If the at-fault driver is uninsured or underinsured, your own uninsured/underinsured motorist (UM/UIM) coverage can help cover your injuries and damages. Not sure if you have this coverage? Check your policy or speak with an attorney—it can make a huge difference in your recovery.
6. Can I handle my insurance claim without a lawyer?
You can, but it’s not always wise—especially in serious accidents. Insurance companies may undervalue your claim, delay your payout, or deny it entirely. A personal injury lawyer can help you understand your rights, gather the right evidence, and negotiate for the compensation you truly deserve.
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