Car Insurance Claimants California CA
Reader’s Question:
My friend’s car was involved in an accident. I was with her when the incident happened. Do I need to file for a separate medical payments claim with my own car insurance provider here in California to cover for hospital expenses to treat my injuries from the accident?
Billy
Los Angeles, CA
If the driver (which in this case is your friend) of the vehicle in which you were a passenger is declared at fault in the incident, then you have every legal right to file for a claim to your friend’s car insurance provider there in California. On the other hand, if the other party was declared at fault in the incident, then it will be your friend who needs to file for a claim for you both against the other party’s car insurance provider. And whenever there are physical injuries sustained from a car accident, it is best to contact a personal injury attorney to represent you in filing for a claim from any car insurance provider.
Just because a citation was issued does not mean that that is final. If a car insurance provider receives a claim against their company, they would usually send out their own people to investigate the incident. If their policyholder is indeed found to be at fault, then the car insurance provider will pay the claim. But if the car insurance provider’s investigation finds the other driver at fault, then they will not pay the claim, and worse, deny liability.
If this happens, then your legal representative will withdraw the lawsuit filed against the second party’s insurer and file the lawsuit against your friend’s insurer instead.
Tags: auto insurance claims, car insurance, Car Insurance Company
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