Archive for the ‘Insurance’ Category

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 www.NunesLaw.com 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 www.NunesLaw.com 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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