The first line of defense in securing compensation after a Los Angeles vehicle accident will be the insurance carrier of the at-fault party. California is a fault-based state when it comes to vehicle accidents, which means that the at-fault driver’s insurance carrier is responsible for covering the medical bills, lost wages, and property damage of the other parties involved.
In the state of California, all drivers must carry and maintain the following types of insurance in order to remain legal on the roadway:
- Bodily injury liability coverage: $15,000 per person and $30,000 per accident minimum
- Property damage liability coverage: $5,000 minimum
In the event an insurance carrier denies a claim or refuses to offer a fair settlement amount, it may be necessary to file a personal injury lawsuit against the negligent driver. When a person files a civil personal injury lawsuit, it is entirely possible that they will be awarded much more compensation than they would otherwise receive if they solely relied on a settlement from the insurance carrier.