Personal Injury Blog

Are You Really Covered? Common Auto Insurance Policy Exclusions That Could Leave You Unprotected Auto insurance gives many drivers peace of mind, but not all policies cover everything. Many people assume they have full protection, only to find out too late that their claim is denied due to a policy exclusion. Understanding these hidden gaps can help you avoid unexpected financial burdens after an accident. What Are Auto Insurance Policy Exclusions? Policy exclusions are specific

At the Law Offices of Brent W. Caldwell, we are based in Huntington Beach and known for our work across Southern California but we are also licensed to practice in Nevada. Many of our clients are surprised to learn that we regularly handle personal injury cases in Las Vegas and the surrounding areas. Whether your injury happened during a weekend trip or while passing through on the way to another destination, we are ready to

How a Pre-Existing Condition Can Impact Your Injury Claim If you have a pre-existing condition and suffer an injury due to an accident, you may wonder whether it will impact your personal injury claim. Insurance companies often try to argue that your injuries were not caused by the accident, but rather were pre-existing issues. However, just because you had a prior medical condition does not mean you are not entitled to compensation. Understanding how pre-existing

What Are Bad Faith Insurance Practices? When you file an insurance claim after an accident or injury, you expect the insurance company to handle it fairly and in accordance with your policy. Unfortunately, not all insurers act in good faith. Some use deceptive tactics to delay, undervalue, or outright deny valid claims. This is known as bad faith insurance and can leave policyholders struggling financially when they need help the most. If you believe your

Understanding Your Rights When Speaking with an Insurance Adjuster After an accident, you will likely hear from an insurance adjuster representing the at-fault driver’s insurance company—or even your own. While adjusters may seem helpful, it is important to remember that they work for the insurance company, not for you. Their job is to protect the company’s bottom line, often by minimizing payouts. Knowing your rights when dealing with an adjuster can help you avoid common

After an accident, you rely on the insurance company to provide fair compensation for your damages. However, insurers often start with a low settlement offer, hoping you will accept less than what your claim is worth. Knowing how to handle these offers can make a significant difference in your final payout. Why Do Insurance Companies Offer Low Settlements? Insurance companies are businesses focused on minimizing payouts. Some common reasons for low settlement offers include: Testing

When you file an insurance claim after an accident, you expect the insurance company to handle it fairly. Unfortunately, some insurers prioritize profits over policyholders and engage in bad faith insurance practices to avoid paying legitimate claims. Knowing how to recognize these tactics and what to do if you are a victim can help you fight back and secure the compensation you deserve. What Are Bad Faith Insurance Practices? Bad faith occurs when an insurance

Receiving a denial from an insurance company can be frustrating, especially when you are counting on compensation for medical bills, property damage, or lost wages. A denied claim does not mean the end of the road. Understanding why claims get denied and how to challenge the decision can help you get the compensation you deserve. Common Reasons Insurance Companies Deny Claims Insurance companies deny claims for various reasons, including: 1. Disputed Liability If the insurer

After an accident, insurance companies move quickly to gather information and assess claims. One of the first steps they take is having an insurance adjuster reach out to you. While this may seem like a routine conversation, what you say can impact your settlement. Understanding how to handle this interaction can help protect your claim. What to Say to an Insurance Adjuster Stick to Basic Facts You should only provide general details about the accident,

A car accident can be overwhelming, and the decisions you make in the moments and days that follow can affect your ability to recover compensation for your injuries and damages. Many people make mistakes that hurt their claims without even realizing it. Knowing what to avoid can help protect your rights and improve your chances of getting the compensation you need. 1. Leaving the Scene Without Calling 911 In California, you are legally required to