Archive for the ‘Insurance’ Category

Once I Hire a Lawyer for My Case, Should I Speak to My Insurance Company?

Monday, February 6th, 2023

When you have been involved in an accident, it is important to hire a lawyer to help you get the compensation you deserve. In most cases, people contact their insurance agents after an accident hoping that the insurance company will come through for them and quickly compensate them for injuries and damages sustained. However, it is essential to understand that the insurance company is not on your side and may not have your best interests in mind. Before you speak to your insurance company, it is advisable to hire a lawyer to advise you on what to say and represent you.

When you hire a lawyer, they will take over all communication with the insurance company. They will also be able to negotiate with the insurance company on your behalf to ensure that you receive the maximum compensation possible. As discussed in this article, you should leave all communication with the insurance company to your lawyer and refrain from speaking with them for several reasons. Here are some of them.

  1. Fair Compensation

A lawyer can evaluate your case and determine the value of your claim. They will consider all your expenses, including medical treatment, income loss, and emotional distress. They will also be able to estimate the cost of future medical treatment and lost wages. This information is essential when negotiating with the insurance company and can help to ensure that you receive fair compensation for your injuries.

  1. Claim Validation

Another reason is that insurance companies may employ under-the-table strategies to invalidate your claim. Insurance companies can invalidate your claim by contacting you for information, only to use it to deny your claim or delay the process to reduce their liability. A lawyer, on the other hand, has your best interests in mind and will use their knowledge of the law and experience in handling similar cases to validate your claim and ensure that your case is as strong as possible and that your rights are protected and that you receive the compensation you deserve.

  1. Deadlines

Insurance companies may have strict deadlines for filing claims; if you miss them, you could lose your right to compensation. Your lawyer will know the deadlines and will be able to make sure that your claim is filed on time. They can also push the insurance company to act fast if they realize the insurance company could intentionally delay the process to reduce their liability.

  1. Legal Advice

Independently, you may not know how much you deserve to be compensated, and the insurance company may tempt you into agreeing to an offer far less than you deserve. An experienced lawyer can tell when compensation is fair and when it is not, and they will be able to advise you on whether or not to accept a settlement offer. They can also advise you on whether or not to take the case to court.

  1. Peace of Mind

An experienced lawyer will act as your advocate and provide you with the knowledge, expertise, and support you need to navigate the legal process and secure the best possible outcome for your case. Their expertise, knowledge, and support will ensure that your rights are protected and that you receive the compensation you deserve, which can provide peace of mind during the negotiations. Your lawyer will also provide a sense of security by handling all the legal details so that you can focus on your recovery.

You should not speak to the insurance company if you have a lawyer. Although there does not exist a law prohibiting insurance companies from contacting you if you have a lawyer, in the 1939 agreement, it was agreed upon that the insurance company or their representatives should not speak directly with any claimant if the claimant is represented by a lawyer without the consent of the claimant’s lawyer.

Contact the Experienced Personal Injury Lawyers at Nunes Law Today

If you have been injured in an accident or need help with your case, contact our experienced personal injury attorneys in Fresno at the Law Office of Frank Nunes today by calling 559-234-4712. You may also contact us online to schedule a free consultation to discuss how we can help you receive maximum compensation for your case.

Why Does My Insurance Have to Pay if the Accident Was Not My Fault?

Wednesday, June 29th, 2022

If you have been in an accident that was not your fault, you may be wondering why your insurance has to pay.  The reason has to do with the fact that approximately one in seven drivers in California does not have insurance.  You need to carry insurance to protect yourself against those drivers that fail to be responsible and insure themselves.

Uninsured motorist coverage protects you as much as you are protected by your insurance when you are at fault for an accident.  You may be concerned that in response to the uninsured motorist payment your insurance company may raise your rates, but in 1988 California voters passed Proposition 103, which limits an insurance company’s ability to raise your rates when you make an uninsured motorist claim.  That doesn’t mean it won’t still happen, but you can take your business elsewhere if it does.

In response to the uninsured motorist claim, your insurance company may file a lawsuit against the uninsured driver to recover from them the money they paid to you.  This is how uninsured motorist coverage protects responsible drivers while also allowing the insurance companies to look out for their interests.  Watch the video to learn more.

If you have additional questions about auto accidents or dealing with insurance agencies, I want you to call me at (559) 436-0850.  I welcome your call.  Visit our educational website at for more videos and media content from our law firm.

Can The Other Party’s Insurance Adjuster Call Me If I Have Hired an Attorney?

Saturday, April 16th, 2022

You’ve hired an attorney, but the insurance adjuster is calling you directly, and you’re wondering whether they can still do that.  Insurance adjusters will typically resist calling you directly, but there is not a rule prohibiting the other side’s adjuster from doing so.

They may not know whether you have hired an attorney.  If they do contact you directly, it will most likely be in writing.  This way, the communication can be forwarded to your attorney intact, as opposed to relying on you to retain and process information spoken to you over the phone.  Be on the lookout for any such communications in your mail.

You should respond by immediately letting them know that you have hired an attorney and providing the appropriate phone number.  You should also let your attorney know they should be expecting a call from the other side’s insurance adjuster.  Watch the video to learn more.

If you have additional questions about speaking with insurance adjusters, I want you to call me at (559) 436-0850.  I welcome your call.  Visit our educational website at for more videos and media content from our law firm.

What is Excess Medical Pay Insurance?

Wednesday, January 19th, 2022

I hear it all too often from my clients. “I received a letter from my automobile insurance company denying the medical bill I submitted. They’re telling me I’m going to have to send it to my health insurance provider first, or show proof that I don’t have health insurance”.

Here is an example… one of my clients came to my office. He explained he had submitted a medical bill to his automobile insurance company expecting it to be paid under his medical payments coverage, only to receive a letter back from them refusing to even consider the bill until he showed them proof that he had submitted it to his health insurance provider first.

He didn’t have health insurance, so there was no one to submit the bill to. We then contacted the insurance company and explained the situation. They sent out forms that we filled out attesting to the fact that my client had no other insurance to pay for his medical bills, except the medical payments coverage on his policy. Upon receiving that, they started paying the bills right away.

In some cases insurance companies even deny payment saying bills need to first be submitted to Medicaid or Medi-Cal, as it’s called in California. Again this situation is essentially the same as not having any insurance. The fact is, Medi-Cal and Medicaid are payers of last resort and require that the private insurance sources pay first before they pay anything after that.

If you have any questions regarding any injury or reimbursement for an injury, I want you to call me at 559-234-0971.  I welcome your call.  Visit videos for more videos and media content from my law firm.

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