What Will Auto Insurance Cover?

Auto Accident Attorney Recommendation – What Will Insurance Cover?

When a client comes to my office after they were involved in an auto accident, I often request their “Insurance Declaration Page”. This document will show every type of coverage that my client’s insurance carrier will cover in the result of an accident.

Liability Coverage vs. Collision Coverage

California law requires a minimum of $15,000 per person / $30,000 per occurrence in liability coverage as well as $5,000 in property damage liability coverage. (Also known as 15/30 or 15/30/5). (California Insurance Code §11580.1b)

What is liability coverage?

If you are at fault in an auto accident, you are “liable”. If the not-at-fault party makes an injury claim against you/your insurance, and if you have the minimum coverage of 15/30, the insurance will only pay a maximum of $15,000 to a single injured person or a maximum of $30,000 if more than one person was injured.

If the injured party’s claim is worth more than that amount, you can potentially be sued personally and be on the hook to pay a settlement or court judgment for any amount over what the insurance pays out.

Property Damage Liability:

Even if a party is not injured, but you are at-fault, you or your insurance can be responsible to pay for the damage to the other vehicle. If you have the minimum required by law, $5,000, and if there is more damage than $5,000, you can be personally responsible for any amount over your insurance coverage.

Uninsured Motorist (UM) & Underinsured Motorist:

If you were the victim of a hit and run, and the accident was not your fault OR if you were hit by a vehicle that was uninsured, this provision of your auto insurance would cover you. This coverage isn’t found on every policy, but your insurance carrier will have you sign a waiver of UM coverage, if you decline this coverage. It is highly recommended that you purchase this type of coverage so that your medical bills as well as pain and suffering can be covered in the event you are the victim of a hit ‘n run or if you were hit by an uninsured motorist.

Underinsured motorist would apply only in certain circumstances when your injury claim is worth more than the insurance coverage available by the other party.

Medical Expense (“Med-Pay”):

Regardless of fault, this coverage covers you or your passengers medical bills incurred in an accident. Some policies require this to kick in only after your health insurance is exhausted,  aka: “Excess Med-Pay”. Some policies have reimbursement provisions.

Collision Coverage and Comprehensive Coverage:

If your car was involved in an accident – whether you were in the vehicle or not, “collision” coverage will pay for the repair or replacement of your vehicle. If an uninsured vehicle hit you, the UM coverage will not pay for the damage to your car. You would need collision coverage.

Comprehensivecovers you in the event your car was stolen.

Other provisions of an auto insurance may include policy: rental, roadside, towing, “uninsured deductible waiver”.

If you were injured in an automobile accident, make sure to call our office to discuss your policy so we can assure you utilize the coverage allowed under your policy.

Ari Friedman
Personal Injury Lawyer

Can I trust the insurance company?

So you were involved in an auto accident. Your auto insurance company says they will be handling your case for you.

“Tell me in one sentence why I need a lawyer”.

Your insurance company may handle payment or repair of your car, but they wont be paying you if you were injured!

If you were injured in an auto accident, it is in your best interest to call an experienced personal injury attorney.

Attorney Ari Friedman will work for you to get you a favorable result. Remember, car accident lawyers don’t get paid for a consultation and only get paid when money is made on a case! There is no out of pocket money you will be paying your lawyer.

Contact Ari Friedman today!

YOUR local personal injury attorney

Ari Friedman



Why do I need a personal injury lawyer?

“I got into an accident, why shouldn’t I just deal with the insurance company directly?”

Oftentimes, having an attorney becomes essential because cases become extremely complex. Although insurance companies claim to be on your side, they really put their interests first. When dealing with your own insurance company, it may be easier for them to classify the case as “50/50” liability. Insurance companies benefit for two reasons: 1) They can close the file sooner. 2) If you are found to be partially at fault, they can raise your insurance premiums. If you retain a law firm that specializes in auto accident cases, this will decrease the chances of your insurance finding you “at fault”.

An attorney can get you monetary compensation above and beyond what is paid for doctor bills. Almost every person involved in an auto accident experiences what is called non-economic damages, specifically, “pain & suffering”, inconvenience and the like. Some cases have more non-economic damages than others. However, almost all cases where the client is found not “at fault”, the attorney will be able to recover money non-economic damages.

Another avenue an attorney may attempt recovery from: “ADL” – “affects of daily living”. How the injury may have affected his or her life. For example, a casual tennis player suffers a wrist injury which prevents him from playing tennis. The legal term is “loss of amenity”.

You can also be compensated if, as a result of the injuries, you were unable to work. This is called loss of earnings.

It is essential that you contact our office immediately after an accident so we can preserve your rights and get you the money you deserve!

Make sure you call the Friedman Law Offices to schedule your free consultation.

Ari Friedman, Esq.

Personal Injury Lawyer Los Angeles


Dash Cam Contest – Win A Car Dash Cam!

Win a Car Dash Cam – Protect Yourself In The Event of An Accident!

Before any personal injury claim is established, you need to “secure liability”.

For example: In most cases, if you are rear-ended in an auto accident, there would really be no fault on your behalf. How about if you went through a green light and another car went through a red light in an intersection. Are you right? If you went through a green light then you are not at fault, however, can you prove that you were the one that went through the green light?

In some situations there may be an independent witness or a police report which may help your case. BUT THERE IS NOTHING BETTER THAN VIDEO EVIDENCE. Enter to win this dash cam to ensure that any accident you may be involved in captures your innocence!


Uninsured Motorist Claim in CA

Did you know that in order for you to go ahead with an uninsured motorist claim in CA, there needs to be contact with another vehicle? For example, if a vehicle comes in to your lane and you swerve out of the way before he was able to hit you, you spin out and crash into the center divider, no UM claim allowed!

There are plenty more technicalities regarding your uninsured motorist claim or personal injury accident claim.

Make sure you call the Friedman Law Offices to schedule your free consultation.

Ari Friedman, Esq.

Personal Injury Lawyer Los Angeles


Sidewalk Injury Lawyer Los Angeles

“Is the city liable if I trip and hurt myself on the sidewalk”

This is a very common question we come across. The answer, in a nutshell, is the city may be labile if they knew about the damage. The city has approximately 10,750 miles of sidewalk. It would not be reasonable to expect the city to know about every inch of sidewalk. However, if a complaint was formally made, and adequate time for repair was given, the city may be liable for an injury that occurred after such time – if it can be proven that a true danger existed.

Although the city council seems to be making an effort to shift the burden to the homeowner, the current law still stands. The City of Los Angeles is responsible for their sidewalks. It seems logical, as it is the city’s property. Moreover, the City planted the trees that cause the issues!

The media has been all over this item. There is an excellent video produced by KCET that goes over this issue that I highly recommend. See below.

The Los Angeles Times also recently published an article – not much on the issue of liability – but on the issue of who maintains the burden of fixing the sidewalks. The LA Times estimates that a whopping 42% of the city’s streets are in need of repair. The KCET article discusses the fact that lawsuits against the City cost around 5 million dollars a year: “Those lawsuits now cost Los Angeles up to 5 million dollars a year. Some City officials say it’s just cheaper to pay that than spend the billion of dollars it would take to fix the sidewalks.”

Keep in mind, though, not all sidewalks are created equal. For example, just because there is a foot high crack – it does not mean that the city may automatically be liable. The same goes for the opposite situation: just because there is a one inch crack, it does NOT mean the city will NOT be liable. A professional sidewalk injury lawyer in Los Angeles should be consulted if you were injured as a result of a sidewalk or any other private or public property. Different legal principles may apply to your scenario.

Courtesy: KCET article

Ari Friedman
Personal Injury Lawyer – Sidewalk Injury Lawyer Los Angeles

Pedestrian Accident Lawyer

Important Items You Must Remember If You Are Involved In A Pedestrian Accident

First and foremost Take care of your medical needs first!

1) Don’t move. Chances are a pedestrian will come to your aid. Stay in the position you are in. Don’t move your neck or back. Stay on the ground. Let the emergency responders take you to the hospital. Do not try and be a hero and touch it out. There is a good chance that you are injured. There is always a possibility of internal injuries as well as nerve damage so you may not feel the pain right away.

2) The emergency personnel will want to take spinal injury precautions. Although most of the time its only precautionary, due to the high mechanism of injury (aka, mechanism of impact) the EMT’s, firefighters, or paramedics will take these precautions in almost every accident involving a pedestrian.

C-collar used by emergency responders to stabilize the neck in pedestrian accidents

The c-collar will be slightly uncomfortable but it should not be painful and it should not affect your breathing. If it hurts or is affecting breathing patterns, let the emergency responders know asap.

Backboard used to stabilize the back in a pedestrian injury accident.

Just as the c-collar, the backboard will be slightly uncomfortable but it should not hurt.

3) Remain calm. The emergency personnel will tend to any other injuries you may have. Try and have a bystander call a family member.

4) The police are entitled to get your statement as to how the accident happened. If you are feeling weak or are unable to give them a statement at the scene of the accident, they will likely visit the hospital and get your statement there. If you are medically stable, and it is possible, call your pedestrian accident lawyer. (Best to call before statement is given to the police.)

5) Relax and let the doctors do their work.


If you or someone you know has been the victim of a pedestrian accident, contact the Friedman Law Offices today!

Ari Friedman
Personal Injury Lawyer – Pedestrian Accident Lawyer
Los Angeles

Bicycle Accident Lawyer

A car was going westbound on a major street and the bicycle was going east on the same street. The car makes a left turn on a green light and strikes the bike rider. The accident occurred at about midnight. The bicyclist had a functioning front and rear reflector. Who is at fault and what are the issues, if any.

California law requires a front facing light when operating a bicycle when it is dark outside.

California Vehicle Code section: 21201(d) “A bicycle operated during darkness… shall be equipped with all of the following:

(1) A lamp emitting a white light that, while the bicycle is in motion, illuminates the highway, sidewalk, or bikeway in front of the bicyclist and is visible from a distance of 300 feet in front and from the sides of the bicycle.

(2) A red reflector on the rear that shall be visible from a distance of 500 feet to the rear…

We also know the California law requires cars to yield to other traffic before making a left turn:

California Vehicle Code Secion 21801(a) The driver of a vehicle intending to turn to the left… shall yield the right-of-way to all…

If you were the bicycle rider, an insurance company for the auto might be quick to “deny” your claim simply because you didn’t have a solid front facing light.

Is that right?

Bicycle reflectors are made specifically for cars to see you at night! We have won cases where the insurance company tries to pull a quick one like this.

Representation by a bicycle accident lawyer that has specific experience with bicycle accident cases is a must!

If you or someone you know has been involved in any type of bicycle accident, contact the Friedman Law Offices today!

Ari Friedman
Personal Injury Lawyer – Bicycle Accident Lawyer
Los Angeles

Bicycle Safety Tips: http://www.chp.ca.gov/html/bicycleriding.html

Driver Pleads No Contest in Fatal 4th of July Accident That Killed a Fireworks Spectator

Source: http://bit.ly/vkMVQn (KTLA)

SAN FERNANDO, Calif. (KTLA) — A Canyon Country woman who allegedly killed one person and injured several others when she drove into a crowd watching Fourth of July fireworks in 2010 pleaded no contest to charges Monday in court.

Prosecutor Richard Quinones said Melissa Brigette Brown, 23, pleaded no contest to one count of vehicular manslaughter. A judge dismissed an infraction against her for failing to stop at a red light.

Brown is expected to be sentenced Nov. 9 in San Fernando Superior Court, according to prosecutors. She faces up to six years in state prison.

Prosecutors say Brown crashed into another vehicle July 4, 2010 after running a red light. She then lost control of her car and careened into the crowd of spectators gathered for the fireworks display. 

Matilda Garnica, 43, who was standing on a sidewalk, was killed in the crash. Several others sustained minor injuries.


If you or someone you know has been involved in any type of car accident, contact the Friedman Law Offices today!

Ari Friedman
Personal Injury Lawyer
Los Angeles

Defend Your Money!

Source: DefendYourDollars.org, a project of Consumers UnionThe banks are doing it to us again!

Bank of America just announced it will charge customers $5 a month for debit card purchases beginning in January. That’s right, $5 a month to spend your own money. Even if you swipe your card only once – say for a $2 cup of coffee – you’ll still get hit with the fee, making that cup a whopping $7!

And it’s not just BofA. Wells Fargo and Chase are testing out similar fees to decide if they want to follow suit.

It wasn’t that long ago that taxpayers had to rescue Bank of America because their get-rich schemes emptied their coffers and drove our economy to the brink. Now they’re whining that they don’t make enough money off electronic transactions that cost them almost nothing to process.

If you are outraged by these new fees, take action now. It’s time consumers fight back!

If you shop with your debit card (why else have one?) you will pay BofA $60 a year to access your own money. This is ridiculous, particularly since the banks already charge retailers a fee that more than covers the cost of the electronic transaction every time you swipe your debit card.

Congress should investigate if these fees reflect the true cost of processing customers’ debit card transactions – and if the answer is no, do something to stop them.

Even if you don’t use one of these banks, you can still help hold banks accountable for the fees they charge. Ask your members of Congress to get to the bottom of these new fees right now, before we all get soaked again!

Send your message now, and also get tips on how to safely change banks.

The more consumers Congress hears from, the better chance we have of swift action. Please click on the link to send your message now, then forward this (or share it on Facebook) with others so they can do the same.