Pursuant to California law, all drivers are required to have insurance coverage while driving a motor vehicle of any kind. The required coverage is known as liability insurance and must be a minimum amount of $15,000/$30,000. These insurance figures represent coverage in the amount of $15,000 per person/occurrence and $30,000 for more than one (1) person.
At first glance, these figures seem sufficient to cover any minimal vehicle
accident. However, what if there were major injuries or multiple persons injured by the negligent person? Herein lies the issue: What if there were four (4) persons in the vehicle that was struck by the negligent driver all suffering from major injuries? The analysis now becomes more complicated and extreme. In the above scenario, all four (4) persons would have to share the insurance policy maximum liability limits of $30,000. Is there any saving grace that the innocent persons can initiate to protect themselves from this potential devastating situation?
The answer to this complex question is yes. Most insurance companies offer Uninsured/Underinsured Motorist coverage. The additional insurance coverage is commonly known as UM/UIM coverage. This provides insurance for those who have been injured by a negligent driver who was either Uninsured or Underinsured (UM/UIM) at the time of the accident. This allows the innocent party compensation for their injuries and other losses caused by the negligent person.
Underinsured Motorist coverage works in a similar fashion. The Underinsured Motorist coverage comes into play when the negligent person has insurance but does not have enough insurance to pay for the entirety of the injured persons damages. In the scenario above, if the negligent persons causes injury/damage to the innocent person that exceeds $15,000, the Underinsured Motorist coverage would come into play to cover the balance of the damages/injuries up to the policy limit of the Underinsured Motorist coverage.
The caveat to the above scenario is that the Underinsured Motorist insurance must exceed that of the negligent person’s insurance in order for the Underinsured Motorist coverage to come into play. Therefore, it is recommended that any Uninsured Motorist or Underinsured Motorist coverage be at least $30,000/$60,000 or higher.


A motorcycle accident is no way to start the new year. Hopefully, that will not be how your year starts out. However, if it is, there are a few things to know that will help you get through the mess of filing an insurance claim.
If your injuries are not overly serious, requiring emergency medical attention, one of the best things you can do is to take pictures of your bike, and the area around the accident site before anything is moved. Take a few pictures of the area leading up to the accident site, and write down your account, to the best of your memory, about what caused the accident. If there are any witnesses, get their names and addresses. The more information you can provide, the better your chances for a favorable settlement.
If you have been involved in a motorcycle accident, chances are that you will eventually have to file a claim and possibly end up in court. Whether you reach a settlement, or go to court, you’ll need a qualified lawyer to advise and represent you. The best way to get your motorcycle accident claim settled quickly and efficiently with the best outcome for you is to retain the services of a competent and experienced motorcycle accident lawyer.
If it is best for you to proceed to court, your lawyer help you with the proceedings, present your case and advise you as to any offer of settlement. Your best interest may be to reach an out of court settlement. Your attorney will provide you assistance and direction in negotiating an out of court settlement, which may be the best and quickest option in settling your accident claim. Chances are that you will be going against a large insurance company who is representing the other person involved in the accident. It is imperative that you realize that the insurance company wants to settle fast, and for the least amount as possible. This may include an agreement that you cannot claim for additional injuries which you may not even realize you have suffered. Don’t sign off too quickly on an offer, just because you are anxious for the money.
Having a good lawyer on your side can make all the difference in a fair and equitable amount for you. Remember, you need to replace your motorcycle, any clothing or equipment which was damaged, and possibly receive medical care or rehabilitation. Take your time to find a good attorney who will represent your best interests for the long term.


Are you a victim of a fall in a public place? It may seem to be your own fault, or is it? Maybe you weren’t just clumsy, maybe you stumbled over an unsafe condition which caused you to trip and fall. Something like a crack in a sidewalk, water on the floor of a store, or poorly lit stairs, any of which can be the reason for a slip and fall accident with injuries. If this is your situation, you will need to hire an Southern California personal injury attorney who specializes in slip and fall accident settlements. It is important to be able to determine what caused your fall, and to properly assess who has the liability for your injuries. To proceed with a slip and fall accident claim, you will need to meet with a lawyer whose speciality is personal injury law.

If your injuries are not life threatening, the first thing after immediate medical care should be filing an incident report. It does not matter if it occurred at a retail store, on a public street, or in a private home. It is of great important to have a record of the conditions which contributed to the incident causing your injuries. Proper documentation of the dangerous condition should include photos showing the problem which caused the accident. If the floor was wet, was there warning sign? Was the pavement uneven? Was proper lighting installed on the stairway? Any of these these conditions should be properly noted and photographed.

Was the retail establishment aware of the dangerous condition? Perhaps they were, but there was corrective action taken. Slip and fall cases in California generally involve insurance companies. Whether you have slipped at a neighbor’s property or tripped over a piece of equipment in a retail establishment, a slip and fall settlement is most likely in your future. Do not deal directly with the insurance company. Trying to deal with this on your own, without proper representation by an experienced personal injury lawyer can be frustrating and disappointing. Remember, insurance companies want to settle as quickly as possible, for the smallest amount of money. You need someone to represent your interests and to be able get the most compensation to which you are entitled.


One thing you may not have thought about in terms of the bad economy and the increase in gas prices is the increase of people who are turning to motorcycles as their main form of transportation. Sure, it’s cheaper to operate a motorcycle, but what about the risk factor? Accidents are far too common on Orange County freeways. If a rider does everything according to accepted bike safety, accidents can still happen. Most motorcycle accidents have very severe consequences such as serious injuries from brain trauma to spinal cord injury along with multiple limbs being injured. The worst or all is death, an all too common result.

Traffic accidents typically are caused by a combination of a number of things. When those factors combine and result in a collision between a motorcycle and an auto, truck or bus the outcome can be very serious for everyone involved especially the rider and passenger of a motorcycle. If you or a loved one have been injured and are suffering from any number of injuries, you will need the help of an attorney who knows and understands both the law and motorcycles. No matter the injuries whether from head and or neck trauma, knee injury, leg, arm or hand and fingers, your attorney needs to be able to fight for you and your rights. Contact Injury Specialty Lawyers, APC for a free consultation regarding your motorcycle accident lawsuit. Our lawyers are avid motorcycle enthusiast themselves and understand the passion and dangers involved in motorcycle riding. Injury Specialty Lawyers, APC will look at your situation and advise you as to the potential for a good motorcycle accident settlement.