Hello. This is Robert Mansour. Today I wanted to make a brief video about uninsured motorist claims. If you get into an automobile accident and the other party either doesn't have insurance or the other party doesn't have enough insurance, you may have something under your own policy called uninsured motorist, or sometimes it's called under-insured motorist, and you'll see it. It's called UM on your policy. Or, you could just call your company and say, "Hey, do I have uninsured motorist?"
Now, as you can imagine that's very handy if the other party doesn't have insurance or doesn't have enough, but here's the deal: For uninsured motorists who apply, it's not just enough for you to have it, it actually has to apply. So what are some things that maybe would prevent uninsured motorists from applying? Well, you have to be able to prove that the other party was uninsured.
Let's say somebody did a hit-and-run with your car. They hit your vehicle and then they took off. You have no idea who they are, what the vehicle is all about, what the VIN number is, the license plate, you don't know the name of the person who hit you, you have no idea, the police can't track them down. Well, you may not be able to use your uninsured motorist. You might think that you can, but your policy might say that if your insurance company can't rule it out and can't determine for sure whether that party has insurance or not, then uninsured motorist doesn't apply, so to some extent, you've got to know who hit you.
Now, contrast that with somebody who hit you and the police got all the information and you have that person's information and when you check on it you find that they don't have any insurance. That's different from a hit and run where you cannot conclusively even prove who that person is.
Another thing that might prevent you from being able to use your uninsured motorist benefits is if the vehicle that caused the accident never touches your vehicle, never came into contact with your vehicle. Let's say you're driving along and somebody turns left in front of you, but you don't hit them. You turn to try to avoid them and you hit a pole or something. Then you say, "Well uninsured motorist. That person caused the accident and they didn't have insurance." Well, your insurance company might say, "Hold on a second. Because there was no contact between your car and the uninsured vehicle, we don't cover that."
Make sure that you understand not only that you have uninsured motorist, but realize that there might be some hoops that you need to jump through before that uninsured motorist benefit actually applies to your case. I hope you found this video to be helpful. My name is Robert Mansour and thanks for watching.
1) Stop as soon as you can and move your vehicle only if it is safe to do so. There's no need to unnecessarily hold up all the other traffic. If the positions of the vehicles involved in the accident are important to preserve, take photos of the scene then move if it's safe to do so.
2) If anyone is injured, call 911 and inform the police. If there are no injuries, or relatively minor complaints, the police probably won't come to the scene.
3) If the accident involves a "hit and run" situation, most car insurance policies require that you inform the police within a specified period of time and to also inform your insurance company. Call your company or broker to check on those details. Otherwise, you may not be covered for the hit and run.
4) Try to get the names and addresses of all the people who were involved in the accident. Also try to obtain their driver's licence numbers and vehicle license plate numbers. These days, having a cell phone will make things much easier as you can simply take photos of plates and licenses. If you can, also take photos of any registration information. Oftentimes, the person driving a car is not necessarily the registered owner of the car.
5) Obtain names, addresses, and phone numbers of any passengers involved and any witnesses to the accident.
6) Make sure to take plenty of photos of the accident scene. Also, take several pictures showing the damage to your car. Make sure the photos you take are from several different angles and distances. Also, try to take photos of all the other vehicles involved in the accident. Sometimes, your car may not look so bad, but that's only part of the story. That's why it's important to take photos of all vehicle involved. Also, take photos of any injuries you might have.
7) Notify your insurance company and/or insurance broker of the accident. Keeping the accident a secret from your company may not be wise as many auto insurance companies require you to report accidents to them. If you don't, you might be in violation of your policy in which case you might be denied coverage should you later decide to make a claim or if a claim is brought against you.
8) If anyone involved in the accident was hurt, or if the damage to your vehicle exceeds $750, you need to notify the DMV within 10 days of the accident. This is done by filing an SR1 form. This form can be downloaded from the DMV website. The more information you have, the easier it will be to fill out the form. Ask your insurance company and/or broker for help if you need assistance.
9) If you are injured, you should get medical attention as soon as possible. Your health and well being are very important. This is not the time to be brave and stoic.
10) Consult with an experienced personal injury attorney if you want to review your legal options.
Sometimes, the most devastating effects of a car accident may have nothing to do with your physical injuries. Sure, you might have some cuts, bumps, bruises, or perhaps worse. However, you may also have psychological effects from the accident that should not be ignored.
Some common psychological effects include Post Traumatic Stress Disorder (PTSD), adjustment disorder, anxiety, depression, or simply a general inability to emotionally and psychologically recover from an accident. I've seen it many times in my law practice.
Recently, while meeting with a client, he realized how emotionally scarred he still was from a severe car accident that happened nearly a year ago. He was involved in a head-on auto collision, and till today, he feels that someone else is going to hit him again. It's not just a general anxiety about driving (a common condition after an accident). He's especially affected while driving at night. Sometimes he finds himself swerving for no reason - avoiding "phantom vehicles." In fact, during our meeting, he started crying when we talked about the accident. He's still emotionally affected by the car accident.
Another client I had was tremendously affected by her car accident. She had never been involved in an accident before, and she had gotten violently rear ended by another vehicle. She locked herself in her room for days, crying because she was so depressed. She had to leave work early on several occasions because she couldn't cope. Her life was already chaotic, and the last thing she needed was a car accident. It was the "straw that broke the camel's back."
Another case I had involved a young teenager who was hit while crossing the street, on his way to school. The impact caused him to roll up onto the hood of the car, smash into the windshield (he broke it), and then he got thrown again to the asphalt. Essentially, he effectively got hit three times! Luckily, he had no major injuries, but he did have a great deal of pain in his knees and legs. This affected his ability to play soccer and enjoy his junior year of high school. After the accident, his parents noticed he "wasn't quite the same person." He was very sullen, no longer talking about his future, and generally withdrawn. This usually exuberant young man became quiet, sad, and depressed. He was afraid to cross the street and expressed no interest in learning how to drive. All his friends were getting their drivers licenses, and he had absolutely no interest.
Sometimes the victim of the accident may not be aware how they've been affected. In fact, oftentimes it is family and friends who notice the difference. Either way, it may be important to document these effects by getting a psychological or psychiatric evaluation. Getting a professional opinion may be helpful in presenting a clear picture of your accident case. Such an evaluation may shed light on exactly how the accident affected you (psychologically and emotionally). A professional can make specific recommendations for further care.
If you have questions about a personal injury case, please call our office at (661) 414-7100 to see if we can assist you. We serve Santa Clarita and its communities of Newhall, Canyon Country, Castaic, Stevenson Ranch, Valencia, and beyond.
After an accident, many of my clients and prospective clients are worried about their insurance rates going up. That is a natural and common concern. Here is the short answer: I don't know!
Insurance companies use all kinds of data to rate you as a driver. Clients are often surprised to learn that every insurance company comes up with its own rating system. Some use driving records, your experience as a driver, your credit score, where you live, the length of your commute, your driving history, the number of accidents you've had, the number of claims you've made, and the list goes on. I generally tell my clients that if the accident was NOT their fault, their insurance rates would probably not go up, but of course, I also told them that I couldn't guarantee such an outcome because I don't make those decisions. Insurance company underwriters make those decisions.
However, there is now an emerging trend, as reported by the Consumer Federation of America, that major insurance companies are now raising insurance rates even if you were NOT at fault. This is a major shift and even more reason why you might want to shop around for a new insurance company. So even if you are not at fault, some companies are inclined to raise your rates anyway. Perhaps they consider you a larger risk. I can't tell you why, but it seems more an more insurance companies are implementing this approach.
Certain insurance companies were singled out in the report. For example, Progressive Insurance, Farmers, and Geico were among the most aggressive in raising rates against their insured clients, even if they weren't at fault. State Farm, on the other hand, never raised rates on their clients in such cases. The study also found that lower income drivers were incurring higher rate increases than higher income drivers. On average, it seems rates went up about 10%. The report also notes that 18 million Americans live in areas of the country where auto insurance is basically deemed affordable by the United States Treasury Department’s Federal Insurance Office.
Certain states like Oklahoma and California don't allow such rate hikes (let's hope it stays that way). The study suggests people should complain to their insurance companies and should inquire if they raise rates even if you're not at fault. I tell my clients if they are not happy, they can take their business elsewhere. There is no shortage of auto insurance companies out there willing to insure you. It takes some time and effort, but using a good insurance broker who is knowledgeable about insurance can be very helpful. Also, a good insurance professional can better advise you about buying the right kind of coverage. Having insurance is great, but having the right insurance coverage is better.
To read the entire article, click here.
Hello, everyone. This is Robert Mansour, and I wanted to shoot a brief video today about the importance of making sure that your medical records accurately and fully reflect what you went through in your car accident, so not only should your medical records reflect all of your injuries, they should also reflect how the accident affected your daily life, so let's first start with the injuries. If you go to the hospital or the emergency room or the doctor or whoever, chiropractor, after an accident, you want to make sure that you walk in with a very detailed list of every single thing that was injured in the accident, no matter how minor. Here's why: An issue that may not seem significant on day 1 may become significant a few weeks later, so if you don't mention it on day 1 and then it comes up a few weeks later, an insurance adjuster might say, "Well, wait a minute. I think you fabricated that. That didn't really happen in the accident. That was something different."
You just want to make sure that you mention all of your injuries, because when the insurance adjuster is evaluating your case, they're going to look at your medical records very carefully, and they're going to see what did you complain of to the doctor, so you can't just say, "My neck." That doesn't really help. You've got to say, "My neck radiating into my shoulders, radiating into my upper back." You want to be very specific about what it is that your injury actually is, so make sure that you are very detailed about that. As a matter of fact, if the police officers come to the scene of an accident, it is very important to tell the police officer or the emergency personnel what your injuries were, because they will write that down in the police report, more often than not, and if your injuries are listed in the police report, it lends a lot more credibility to your claim that you were injured, and the consistency of those injuries across the board. Your injury complaints at the scene were the same at the hospital, were the same at the doctor, were the same at the physical therapist...
It's very important to be very complete about it. The next thing that you really need to make sure that you articulate is, what limitations are you having from the accident? When you go for physical therapy or you go to the doctor, and they say, "How are you doing? What's going on," and you say, "Well, not so good," or, "A little bit better," that doesn't really help paint a very good picture of what you're going through. So for example, you might say, "Well, I'm having trouble taking a shower. It hurts when I put my clothes on in the morning. I can't bend down to tie my shoes. I'm in excruciating pain on a daily basis. I can't even drive to work. I can't pick up my kids and play with them. I can't garden. I can't do X, Y, or Z. I'm having trouble doing chores at the house." I call that "putting ornaments on the tree," decorating the tree. The tree is the injuries, but the ornaments on the tree are how the injuries affected your daily life, your work, your schooling, your home life.
It is very important to articulate all of that to your doctors, because it's going to end up in the medical records, and that's what the insurance adjuster's going to be looking at. So the medical records are your opportunity to tell the adjuster the complete story of how the accident affected you. Not just the injuries, but the effects of those injuries. I always tell my clients, "When you go in for treatment after a car accident, whether it's for an evaluation, physical therapy, or anything like that, I want you to imagine the insurance adjuster sitting on your shoulder with a tablet, writing everything down that you say. They've got their clipboard right there, and they're writing everything down that you say to the doctor, so if you can imagine that, you're going to be more complete about it, because the adjuster's sitting there on your shoulder, basically being very skeptical that you were injured at all, as most of them often are. So this is your chance to be very complete about your injuries and how the accident affected you." I hope you found this video helpful. Thank you very much for watching.
Please call (661) 414-7100 if you've been injured in a serious car accident. Personal injury lawyer Robert Mansour helps clients involved in serious auto accidents in Santa Clarita, California and its surrounding communities.
A new study reveals that seven major intersections in the Santa Clarita Valley are among the state's most dangerous intersections. The accidents involve pedestrian and auto accidents. Santa Clarita was found to have a "higher than average" amount of accidents. (The city disputes these findings - see link below). The study found that the most dangerous roads in Santa Clarita were Newhall Ranch Rd, Bouquet Canyon Rd, Seco Canyon Rd, Sierra Highway, Soledad Canyon Rd, McBean Parkway, Langside Avenue and Whites Canyon Rd.
The most dangerous intersection in Santa Clarita was Sierra Highway and Soledad Canyon Rd. The second most dangerous intersection was McBean Parkway and Newhall Ranch Rd. The third most dangerous intersection in SCV was found to be Bouquet Canyon Rd and Seco Canyon Rd. The next most dangerous was Langside Avenue and Soledad Canyon Rd. In fifth place was Soledad Canyon Rd and Whites Canyon Rd.
Finally, rounding out the most dangerous intersection in the Santa Clarita Valley were Bouquet Canyon Rd and Soledad Canyon Rd, and Bouquet Canyon Rd and Newhall Ranch Rd.
Here is a link to the article in The Signal which cites the study.
If you've had a serious car accident in Santa Clarita, and you need guidance, call (661) 414-7100 to see if we can assist you with your accident case.
* UPDATE 11-28-16 Santa Clarita disputes findings of the study. Click here to read more.
Hello everyone. This is Robert Mansour, and today I wanted to shoot a brief video on the importance of taking photographs of your injuries. I recently had a client who was involved in a head-on collision. He's a 21 year-old gentleman, and he had some bruising to his knees and some bruising to his chest and to his hands, both in the palms of his hands and on his knuckles. He told me all about this bruising, and he explained it to me and it sounded really bad, but I told him, I said, "Did you take any photographs of your injuries?" He said, "Oh no, I forgot to do that."
Now, by the time he came to see me, all the bruising was gone. Now, why is it important to do that? Here is why. When you are dealing with an insurance adjuster, who is working for the other party in your case, you want to be able to tell the story as best you can. Now, you can tell somebody about your bruising, and you can point to some medical records that indicate bruising, but that's not quite as effective as showing someone. Show me, as the phrase goes. Show me, so I can believe it.
The truth of the matter is, many of the insurance adjusters are skeptical. There's a lot of people out there trying to game the system, trying to embellish their case, but if you can show somebody visually the injuries that you had, it is much more compelling that simply pointing to a notation in a medical record somewhere.
If you are injured in an automobile accident, make sure not to just take pictures of the vehicle. The vehicle is important, but you also want to document any and all physical manifestations of injury, bruising, scratches, redness. No matter how minor, take a picture. Have somebody in your family take a picture from several different angles as well and different lighting conditions. Sometimes a bruise may not show in a particular lighting condition, but perhaps from another angle or a different lighting condition, it does show better.
I cannot overemphasize the importance of taking pictures of your physical injuries after an automobile accident. Thank you very much for watching. Please call (661) 414-7100 to see if we can help with your injury case.
While it is often a good idea to consult with a personal injury lawyer about your accident case, it doesn't always make sense to hire a lawyer. The truth is you may not need a lawyer. Here are some top reasons why you might not need a lawyer to handle your injury case:
1) If your injuries are minor or non-existent, you shouldn't hire a personal injury lawyer. The inverse is true, if you have serious injuries (broken bones, herniated discs, surgery is required, major bruising...) then it might be a good idea to get a lawyer on board.
2) If all you care about is getting your car fixed, getting a lawyer is not going to make much difference. Remember, personal injury lawyers focus on "injury" cases...not property damage. Most injury attorneys will not handle a case that's only about property damage.
3) If you are upset with the insurance adjuster, or they are rude to you, getting a lawyer isn't going to make much difference. In other words, if you are getting a lawyer simply because you are trying get even with the insurance company, then it probably won't make much difference unless you have very serious injuries.
4) If the accident was your fault, getting a personal injury lawyer will be a waste of time. If you are afraid of getting sued for causing the accident, then inform your auto insurance company. In many cases, they will provide you with a lawyer to defend you if you are sued.
5) If the police report is against you, then a lawyer isn't going to do much good unless you have some compelling evidence the other party actually caused the accident. An independent witness may be helpful but they are rare. That being said, if you are partly responsible for the accident but the other party is also partly responsible, you might consider getting a lawyer if you have severe and dramatic injuries.
Getting a lawyer on board doesn't always make sense. Generally speaking, the more serious your injuries are, the more you should consider hiring a lawyer to help you with your case. From the attorney's perspective, my basic question to myself is this: "Can I bring value to this client's case?" If not, then I will let you know. Remember, some lawyers will take any case because they know they are going to have some kind of pay day, no matter how small. Whether it's a good idea or not is a secondary concern.
However, we are glad to offer clients advice, even if we cannot take their case. If you've been seriously injured in a bad accident, give us a call so we might be able to assist you. Call (661) 414-7100. We also encourage you to explore our site for answers to your questions.
Hello, everyone. This is Robert Mansour, and I want to make a brief video about an issue that comes up all the time - "Should I give a recorded statement to the other party's insurance company?" The answer is generally "no." You have no legal obligation to speak to the adjuster from the other party.
As a matter of fact, it is very curious - they generally call you the day of the accident or even the next day to get a recorded statement from you, and here's why: Generally speaking, they are trying to box you into a story. How do I know that? I used to work for an insurance company as a lawyer for them. They generally want to call you right away because they want to box you into that story. They might say, "Were you hurt in the accident?" You'll say, "Well, I'm kind of sore, but not too bad." Then a few days later, you are really sore. You can hardly move. Your muscles have really tightened up, or you've discovered an injury that you didn't even realize you had on day one.
See, the problem now is you've given the other party a recorded statement, and they have you saying, "I wasn't hurt. I'm fine. Not a big deal." That's why you don't want to give a statement so early on in the process. There's very little, if anything, to be gained by it. In fact, it's usually used against you in the future.
Also, giving a statement to your company, your own company, you want to be careful with that too. You have generally a legal obligation, a contractual obligation, to cooperate with your own insurance company, because otherwise they might pull the coverage from you and say, "Well, you didn't cooperate with us, and therefore we're not going to extend coverage to you." However, there's nothing wrong with telling the adjuster, "Listen, I'm not feeling very well right now. Can I get your name and number and I'll contact you in about a week's time to talk to you at that time?" Nothing unreasonable about that.
Even better, go talk to an experienced personal injury lawyer and say, "Here's what's going on. What do you think I should do? Should I give a statement? Should I not give a statement?"
Then, you also might have the issue of liability. By talking about what happened at the accident so early on, first you might want to see what that police report has to say about everything first. Remember, you don't have a legal obligation to speak to the adjuster from the other party. You may have an obligation to speak to your own adjuster, but either way, be very careful what you say and when you decide to give that statement. You may choose not to give a statement at all. There's nothing wrong with that. Again, you may have to cooperate with your own insurance company, but at the very least, talk to an experienced lawyer first to see what your options are. Thank you very much for watching this brief video.
If you've been injured in a serious car accident, call (661) 414-7100 to see if we might be able to help you.
After a severe car accident, your vehicle may be stored at a "storage facility." Usually your car will end up at a tow yard (or an auto body shop). Tow yards (and similar storage locations like body shops) usually charge about $50 to $60 a day for the privilege of "storing" your car. Basically, it's an expensive parking lot! In short, storage fees can be a big pain!
So here are some things to keep in mind about storage fees:
First you have to ask yourself: "Who is going to pay for the storage fees?" If you have collision coverage (your insurance company covers your own property damage), then report the accident to your insurance company as soon as possible - the same day of the accident if you can. Tell them where your vehicle is so they can examine it as soon as possible. Your company is keenly aware of storage fees (they want to avoid them as much as you do), so they might tow your vehicle to their own storage location in order to reduce storage fees. Many insurance companies have their own storage locations, so they often try to get your car out of the storage facility quickly in order to reduce storage costs.
Basically, by contacting your insurance company quickly (i.e., right after the accident), you are putting the ball in their court. If you wait a few days, they might try to hold you responsible for storage fees due to your delay. Some insurance companies do everything they can to save a dime. They might only pay for storage from the date you notified them moving forward.
If you have collision coverage, you can still present a property damage claim to the other party's insurance company. However, this can lead to the following frustrating scenario we see all the time. Here's how it unfolds:
You contact the other party's company, and they tell you they need to "contact their insured/client" and they need to "investigate" liability. The problem is this can take several days or sometimes several weeks. What if their client denies fault. What if they can't get a hold of their client? What if they can't get a hold of witnesses who supposedly support your version of the accident? What if they want to review the police report, but the report won't be available for at least 2 months (especially common with the LAPD)?
All this can lead to delays. In the meantime, your vehicle is stilling in storage and incurring fees. So let's say 4 weeks later, the insurance company for the responsible party finally accepts responsibility. Guess what? They probably won't pay your storage during those 4 weeks! Why not? They will argue they acted reasonably and your storage costs were too high, or you didn't move your vehicle to a "fee free" storage location (like your home). If you're lucky, they might offer you "reasonable" storage fees of about 10 days, even if your car was in storage for over a month while you waited for them to figure things out.
Basically, if they drag things out (whether it's reasonable or whether they are simply incompetent), that is usually going to be to your detriment. Is that fair? Is that "justice?" Probably not. However, while you're waiting for them to do the right thing and while you're waiting for "justice," you are only incurring additional storage fees. If they never pay your storage fees, then you're basically stuck and may have little recourse short of filing a lawsuit. Now if you are bringing an injury claim, you can try to raise the issue of storage fees later on, but even then, it's a frustrating endeavor. Many times, people get preoccupied with "what's right" or what is "just," and this preoccupation does nothing but make them more frustrated. There is the way the world "should work," and then there's the way the world DOES work. Being keenly aware of the latter is better for you in the long run.
Now if you don't have collision coverage on your car, then you are unfortunately beholden to the responsible party's insurance company. In other words, your options are severely limited. If they admit fault quickly and take care of your car, that's great. However, if they start telling you it's going to take a while before they determine what they are going to do, you need to make some decisions about your car as soon as possible. Try to get your car out of the tow yard (or wherever it is). Remember, the storage fees are only getting higher every day. If your neighborhood allows it, get your car to your property and put a cover on it so it's not an eye sore! Do whatever you can so you don't get stuck with ridiculous storage fees. That's one of the downsides of not having collision on your car.
What is my recommendation? If you have collision coverage, I usually recommend using your own insurance company. They have a contract with you and a duty to act in good faith. The opposing insurance company doesn't have the same duty. They don't even have to return your calls! If you simply cannot afford the potential deductible that will be imposed on you, then go through the other party's company. However, if things start getting delayed, then go back to your company and get things moving. Dealing with storage fees is often very frustrating, but if you understand what's going on, and if you're aware of this dangerous fee, then you will be better prepared to handle it.
If you've been involved in a serious auto accident in Santa Clarita, Newhall, Castaic, Stevenson Ranch, Valencia, Canyon Country, or surrounding communities, feel free to call our office at (661) 414-7100 to see if we can help you with your accident case.
by Robert Mansour
Robert Mansour is a personal injury lawyer serving Santa Clarita, Valencia, Saugus, Canyon Country, Newhall, Stevenson Ranch, Castaic and surrounding communities.