{"id":12008,"date":"2019-04-30T18:05:23","date_gmt":"2019-04-30T18:05:23","guid":{"rendered":"https:\/\/usaccidentlaw.wpengine.com\/?p=12008"},"modified":"2025-08-26T19:16:41","modified_gmt":"2025-08-26T19:16:41","slug":"tips-for-dealing-with-insurance-companies-after-car-accident","status":"publish","type":"post","link":"https:\/\/dklaw.com\/ko\/the-fine-print\/tips-for-dealing-with-insurance-companies-after-car-accident\/","title":{"rendered":"Should I Call My Insurance Company After a Minor Accident?"},"content":{"rendered":"<div class=\"dklaw-section dklaw-hero dklaw-hero__blog align wp-block-dklaw-hero-blog has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-breadcrumbs align wp-block-dklaw-breadcrumbs\"><a href=\"https:\/\/dklaw.com\">Home<\/a><a href=\"https:\/\/dklaw.com\/ko\/the-fine-print\/tips-for-dealing-with-insurance-companies-after-car-accident\/\" class=\"current\">Should I Call My Insurance Company After a Minor Accident?<\/a><script type=\"application\/ld+json\">\n\t{\n\t  \"@context\": \"https:\/\/schema.org\",\n\t  \"@type\": \"BreadcrumbList\",\n\t  \"itemListElement\": [\n\t\t  {\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 1,\n\t\t\t\t\"name\": \"Home\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\"\n\t\t\t},{\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 2,\n\t\t\t\t\"name\": \"Should I Call My Insurance Company After a Minor Accident?\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/ko\/the-fine-print\/tips-for-dealing-with-insurance-companies-after-car-accident\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">Should I Call My Insurance Company After a Minor Accident?<\/h1>\n\n\n<div class=\"dklaw-hero__blog-meta align wp-block-dklaw-hero-blog-meta\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-taxonomies align wp-block-dklaw-taxonomies\"><a href=\"https:\/\/dklaw.com\/ko\/learning-hub\/?_topics=insurance-and-claims\" rel=\"nofollow\">Insurance &amp; Claims<\/a> <\/div>\n\n\n<p class=\"has-primary-gray-color has-text-color\">Reading Time: 8 Minutes<\/p>\n\n<\/div><span>April 30, 2019<\/span><span>Nikita Patwari<\/span><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2021\/07\/settlement-1024x683.jpg\" alt=\"Two attorneys talking with their hands\"\/><\/figure>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-toc alignfull wp-block-dklaw-toc\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__sidebar align wp-block-dklaw-toc-sidebar\"><div class=\"dklaw-toc__sidebar-menu\"><h4 class=\"dklaw-toc__sidebar-toggle\">Jump To<\/h4><ul><\/ul><\/div><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-card align wp-block-dklaw-card has-background has-primary-black-background-color\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading has-primary-white-color has-text-color\">Every 4 minutes.<\/h4>\n\n\n\n<p class=\"has-primary-white-color has-text-color\">On average, every 4 minutes someone picks up the phone and calls us for help. That kind of trust says everything.<\/p>\n\n\n\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:7147903562\">714-790-3562<\/a><\/div>\n\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-toc__blocks align wp-block-dklaw-toc-blocks\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<p>Most of us just pay our car insurance bills every month and hope we never need to use our insurance.<\/p>\n\n\n\n<p>But accidents do happen, and once you\u2019ve been injured in a car crash, you\u2019ll quickly realize how even your own insurance company can give you the runaround. One of the most complicated aspects of a car accident is dealing with the insurance company.<\/p>\n\n\n\n<p>Typically, within just a few days after the accident, you will start to receive phone calls from an insurance adjuster who will want to settle your claim as fast as possible \u2013 don\u2019t do it.<\/p>\n\n\n\n<p>Here are some key points to be aware of when dealing with the insurance company.<\/p>\n\n\n\n<ol class=\"wp-block-list is-style-arrow-list\">\n<li><span style=\"margin: 0px; padding: 0px;\"><strong>Insurance adjusters are trained negotiators<\/strong>\u00a0\u2013 Oftentimes, your insurance adjuster will act very nicely and helpfully, but you need to be careful.<\/span> The job of the adjuster is to protect the insurance company for which they work. Their goal is to minimize the amount of money paid out on your injury claim; often, they will even deny the claim or fail to recognize the full value of the settlement.<\/li>\n\n\n\n<li><span style=\"margin: 0px; padding: 0px;\"><strong>Don\u2019t just accept the first settlement they offer you.<\/strong>\u00a0Sadly, after a car accident, most people need money quickly to repair their car and cover medical bills. The insurance adjusters know this and will usually offer a lowball settlement immediately. Don\u2019t accept this;<\/span> call DK Law.<\/li>\n\n\n\n<li><strong>Anything you say will most likely be used against you<\/strong>\u00a0\u2013 The goal of the insurance adjuster is to make up their own version of the accident (to minimize it) and have you agree with them. Do not give a recorded statement or sign anything.<\/li>\n\n\n\n<li><strong>The insurance company <\/strong><span style=\"margin: 0px; padding: 0px;\"><strong>often seeks to avoid paying medical expenses<\/strong>\u00a0\u2013 this is often accompanied by an attempt to settle with you for as little as possible<\/span>. They might even suggest that you are lying and making up injuries.<\/li>\n\n\n\n<li><span style=\"margin: 0px; padding: 0px;\"><strong>If you won\u2019t settle today, insurance companies might ignore you.<\/strong>\u00a0Once insurance companies know you won\u2019t accept their first offer, they often ignore you, hoping you\u2019ll go away or that the statute of limitations will expire (two years in California).<\/span><\/li>\n\n\n\n<li><strong>Don\u2019t sign anything until you call us<\/strong>\u00a0\u2013 Many of the forms and documents the insurance companies want you to sign might have fine print that you don\u2019t understand. You could be signing away your rights or accepting an offer without even knowing it.<\/li>\n\n\n\n<li><strong>Insurance companies don\u2019t have to treat you fairly<\/strong>\u00a0\u2013 When the other driver is at fault for the car accident, it\u2019s very common for that driver\u2019s insurance company to deny or delay paying your claim.<\/li>\n<\/ol>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Do Not Talk to the Other Driver\u2019s Insurance<\/h2>\n\n\n\n<p>After a car accident, it is very common for the other driver\u2019s insurance company to start calling you (even if it\u2019s clear that the other driver is at fault). Even if you are at fault, there is still a good chance that the other insurance company may call you.<\/p>\n\n\n\n<p>You are not required to speak with the other driver\u2019s insurance company. Again, this is why you want to call an experienced accident lawyer for help.<\/p>\n\n\n\n<p>Whenever there are injuries in an auto accident, it\u2019s best to avoid the other driver\u2019s insurance company.\u00a0<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">How Much Insurance Companies Pay for Pain and Suffering<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/06\/recha-oktaviani-h2aDKwigQeA-unsplash-1024x683.jpg\" alt=\"Calculator, notebook, and pen on white background\"\/><\/figure>\n\n\n\n<p>Once you start the process of filing an injury claim after an accident, you\u2019ll probably start to wonder how much money your settlement might be worth.<\/p>\n\n\n\n<p>Insurance companies don\u2019t use just one method to determine the value of a personal injury claim. This usually includes compensation for lost wages, medical bills, and money for \u201cpain and suffering\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Multiplier Method<\/h3>\n\n\n\n<p>The multiplier method is often used to evaluate pain and suffering damages with a certain number. It was common practice for injury lawyers to multiply the actual damages by three to reach a damages amount $ that is reasonable.<\/p>\n\n\n\n<p>So if your lost wages were $2,000 and your medical bills were $5,000, you would multiply $7,000 by 3, which would equal $21,000.<\/p>\n\n\n\n<p>Nowadays, however, insurance companies are not as quick to agree with this, and instead, they arrive at these figures using complex software programs and algorithms designed to undervalue your claim.<\/p>\n\n\n\n<p>There are several variables that contribute to this approach, including the severity of your injuries and the duration of your recovery.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Daily Rate Method<\/h3>\n\n\n\n<p>Some personal injury lawyers and insurers will use a daily rate to attempt to calculate the pain and suffering damages on an injury claim. With this method, a daily rate or \u201cper diem\u201d is assigned to each day (week, month, etc.) that you suffer from injuries pertaining to the car crash.<\/p>\n\n\n\n<p>An example would be that you had to see a doctor regularly and take pain pills to ease the pain, and you did this for 2 months. Perhaps you consider each day of pain to be worth $300 to you, so $300 a day multiplied by 60 days equals $18,000.<\/p>\n\n\n\n<p>Choosing the daily rate can be tricky, but often the rate is based on your daily earnings. Since you were unable to work, the $300 per day helps recover your lost wages.<\/p>\n\n\n\n<p>As you can see, all of this gets very tricky and complicated, and once you start dealing with the courts, and a judge or jury, it can be overwhelming.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">What to Do If the Accident Was Not Your Fault<\/h2>\n\n\n\n<p>Should you contact your insurance if the accident was not your fault? The easy and fast answer is yes. A common myth is that if you are not at fault, then you don\u2019t need to report the accident to your insurance company.<\/p>\n\n\n\n<p>This is false because there might be several coverages on your insurance policy here in California that you might want to use. It is always best to follow the proper procedures after a car accident.&nbsp;<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">How Long Insurance Companies Have to Settle a Claim<\/h2>\n\n\n\n<p>Most states, including California, have regulations to protect consumers by setting a timeframe for the insurance company to acknowledge your claim, investigate, and make a Fair settlement.<\/p>\n\n\n\n<p>California requires that the insurance company acknowledge all claims within 15 days. In addition, the insurance company has to accept or reject the claim within 40 days after receiving proof of the claim.<\/p>\n\n\n\n<p>If the claim is accepted, then payment must be made within 30 days from the actual date the settlement was reached.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Repairing Damages After an Accident<\/h2>\n\n\n\n<p>This is a very common question that we hear all the time from our clients. People want to know if they can repair their own car after being in an accident, rather than dealing with a repair shop that the insurance company suggested.<\/p>\n\n\n\n<p>If you own the car outright and don\u2019t have a balance due to the bank, then you may be able to get a check made out in your name so you can choose a mechanic.<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Negotiating With Insurance After a Car Accident<\/h2>\n\n\n\n<p>Do not trust the insurance company to think about you first. Trust us. If the insurance adjuster tells you that you won\u2019t need a lawyer, then call us immediately.<\/p>\n\n\n\n<p>Insurance companies are known for offering lower settlements to accident victims who are not being represented by an injury lawyer. Car accident victims with minor injuries (and minor property damage to their vehicle) might be able to successfully negotiate with the insurance companies.<\/p>\n\n\n\n<p>But you don\u2019t want to fight the insurance companies alone when you have a real settlement on the line. If you have been injured in a car crash, you need to remember that the insurance company doesn\u2019t want to pay out any money \u2013 that is the truth.<\/p>\n\n\n\n<p>Major car accident injuries are expensive. Your settlement demand will include the:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li>Cost of any physical therapy<\/li>\n\n\n\n<li>Costs of medical bills<\/li>\n\n\n\n<li>Lost wages from missed work<\/li>\n\n\n\n<li>And money for pain and suffering<\/li>\n<\/ul>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Why Contact DK Law\u00a0<\/h2>\n\n\n\n<p>First, you need to deal with the injuries you suffered, getting to the hospital, dealing with the damage to your car, and the insurance companies start calling you.<\/p>\n\n\n\n<p>Remember that the insurance company (especially the defendants\u2019 insurance) is not necessarily your friend. If you were injured in a car accident, you need to be very careful about what you tell the insurance companies. We have years of experience fighting with the insurance companies to make sure our clients get maximum compensation.<\/p>\n\n\n\n<p>We only get paid when we win your case.&nbsp;<\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-author align wp-block-dklaw-author has-text-color has-primary-black-color has-background has-tertiary-blue-background-color\"><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/07\/IMG_2110-1024x683.jpg);\"><\/div><div><p class=\"dklaw-author__block-about\">About the Author<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Nikita Patwari<\/h4><h6><\/h6><p>As the blog writer for DK Law, I specialize in creating clear, informative, and approachable legal content for individuals and families navigating personal injury and wrongful death cases across California. My goal is to break down complex legal topics into helpful, easy-to-understand articles that empower readers to make informed decisions during some of life\u2019s most difficult moments.<\/p>\n<div class=\"dklaw-author__social-icons\"><a href=\"https:\/\/www.linkedin.com\/in\/nikita-patwari-62298975\/\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g clip-path=\"url(#clip0_5702_21335)\"><path d=\"M15.7416 0H1.25508C0.561133 0 0 0.547852 0 1.2252V15.7715C0 16.4488 0.561133 17 1.25508 17H15.7416C16.4355 17 17 16.4488 17 15.7748V1.2252C17 0.547852 16.4355 0 15.7416 0ZM5.04355 14.4865H2.52012V6.37168H5.04355V14.4865ZM3.78184 5.26602C2.97168 5.26602 2.31758 4.61191 2.31758 3.80508C2.31758 2.99824 2.97168 2.34414 3.78184 2.34414C4.58867 2.34414 5.24277 2.99824 5.24277 3.80508C5.24277 4.60859 4.58867 5.26602 3.78184 5.26602ZM14.4865 14.4865H11.9664V10.542C11.9664 9.60234 11.9498 8.39043 10.6549 8.39043C9.34336 8.39043 9.14414 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