Stockton Car Accident and Personal Injury Lawyers

Stockton is the most inhabited city in San Joaquin County, California. With a population of over 322,000, rush hour in the area is often bursting at the seams as commuters head to work or school via Highway 99, Interstate 5, and State Route 4. Millions of vehicles travel these highways every day, and with so much traffic, crashes are inevitable in the City of Stockton, CA. As with any car accident, there is a possibility of traumatic injuries that may require extensive medical treatment and time missed at work. When the incident is the result of someone else’s negligence, a bodily injury claim may be filed to seek reimbursement of losses resulting from accident-related injuries.

At AutoAccident.com, we are here to answer your questions and provide free, friendly case advice at (209) 227-1931 or (800) 404-5400. Our personal injury attorneys serving Stockton have decades of combined experience handling cases throughout California.

At AutoAccident.com, we understand the devastation and pain a serious injury from a crash may bring. We are dedicated to helping parties injured in accidents caused by the negligence of others obtain the justice and maximum compensation they deserve. Our law firm has handled personal injury cases since 1982. We have the experience necessary in overcoming the various defense tactics insurance companies may use to get out of paying claims. Our skilled Stockton personal injury attorneys are prepared to fight for the insurance settlement or jury award our clients deserve and will work tirelessly on their behalf. Learn more about how our family can help your family through this difficult time by scheduling a free consultation today.

The California Office of Traffic Safety (OTS) revealed in a 2020 report for the City of Stockton that approximately:

• 1,611 injury and fatal accidents occurred
• Around 256 crashes involved hit-and-run drivers
• Speeding was a factor in 300 of the total traffic collisions
• About 153 crashes involved alcohol resulting in 443 DUI arrests

What are the Minimum Liability Coverage Limits You Must Have in California?

All drivers are required to carry liability coverage in California. The state minimum insurance limits for bodily injury are $15,000 for injury or death to one individual or $30,000 if more than one party was injured or killed in a motor vehicle collision. In the latter, the $30,000 must be allocated among the claimants. In other words, if one party was responsible for a motor vehicle collision causing bodily injury or death to more than one individual, the $30,000 must be allocated among all injured parties or families of decedents.

For property damage , the state minimum liability limits are $5,000 for damage to the property of other parties. This may include crashing into another person’s vehicle, structures, or fixed objects. Drivers should carry policy limits higher than California minimum auto insurance requirements to protect themselves in an accident. Our legal team recommends carrying at least $100,000 in bodily injury liability coverage and uninsured/underinsured motorist protection.

Uninsured and underinsured motorist (UM and UIM) coverage protects an insured if they suffered injuries in a traffic collision caused by another party that does not have adequate policy limits or no liability coverage. California was ranked as the tenth state with the highest percentage of uninsured motorists with 16.6 percent in a 2019 report by the Insurance Information Institute ( III ). For this reason, it is essential to carry UM and UIM protection as a driver in Stockton, California.

What is particularly useful about UM coverage is that it may come into effect in a hit-and-run accident resulting in bodily injury. Having peace of mind knowing that you are covered under your insurance policy for a hit-and-run crash is crucial. Learn more about your options for recovery after a hit-and-run by contacting our personal injury attorneys serving Stockton, California.

Before an injured party may use their UM coverage , it must be proven that the other party did not carry liability coverage at the time of the incident. This may be established through an SR-22 form for a California proof of insurance certificate. 

Conversely, the other party’s insurance limits must be fully exhausted before a UIM claim may be made. Specific filing criteria and deadlines must be met for UM and UIM claims. That is why it is essential to retain a top-rated Stockton car accident lawyer with experience handling first-party insurance claims.

Economic and non-economic damages are two types of compensation in accident cases. Economic damages reflect financial losses, whereas non-economic damages consider intangible harms, including:

• Medical Expenses: The costs of medical treatment for accident-related injuries may be recovered through a personal injury claim. This is possible so long as the medical care has been proven through substantial evidence to be reasonable and necessary. If serious injuries are involved, a claim for future medical expenses may also be made.
• Lost Wages: An injury from a motor vehicle crash in Stockton may require time to recover that often involves missing time at work. A claim for wage loss may be made for the recovery of the earnings that should have been made had the injured party not taken time off work to recover and attend medical appointments.
• Loss of Future Earnings: If the injury prevents the claimant from earning income in the future, a loss of future earning potential claim may be brought forward. Determining the amount of future wage loss may be challenging as medical records must support that the injuries are permanent and will most likely have an impact on an injured party’s ability to work the same position they held before the crash.
• Out-of-Pocket Expenses: The costs of a serious injury suffered in a car accident may be staggering. Any insurance settlement or jury award should consider the long-term effects of the injury. To accomplish this, a skilled Stockton personal injury lawyer will often work with an expert witness such as a life care planner. Testimony from this type of expert witness may help prove the need for home and vehicle modifications like wheelchair accessibility and medical devices to accommodate an injured party with a permanent disability.
• Pain and Suffering: Damages for pain and suffering reflect the physical pain and emotional suffering an injury has had on a claimant. Insurers have their own ways of calculating pain and suffering damages by using computer claims programs such as Colossus. An initial settlement offer may not account for the true extent of this non-economic damage, and that is why it is essential to retain legal counsel to ensure you are not taken advantage of by the insurance company.
• Loss of Consortium: A claim for loss of consortium considers the losses suffered by the spouse of an individual that suffered traumatic injuries in a traffic collision caused by another party’s negligence. Compensation sought through this type of claim is intended to address the damage to the marital relationship that resulted from traumatic injuries . It may also consider the inability to conceive children because of a catastrophic injury, such as a spinal cord injury.

Proving the value of damages in a Stockton car accident case may be challenging. A collection of compelling evidence and testimony from expert witnesses is often necessary. An experienced personal injury attorney can provide clients with the guidance and support needed for a favorable case result. This video provides tips on selecting the best lawyer near you to handle your injury case.

When an injured party retains legal counsel, they will have an advocate performing the following on their behalf:

• Communicate with Insurance Carriers: An auto accident attorney will notify the insurance companies involved in the personal injury matter that the claimant is being represented by counsel. This establishes that communication will be between the insurance representatives and the lawyer moving forward. It may also help protect the claimant’s right to privacy by preventing insurance adjusters from reaching out to them for information regarding their case.
• Investigate the Incident: An independent investigation of a car wreck is often necessary as there may be disputes regarding liability for the incident or the severity of the injuries that resulted from it. The process may involve a personal injury lawyer heading out to the scene of a crash in Stockton, CA, to gather and preserve evidence relevant to the case. An attorney may also work with expert witnesses such as accident reconstruction experts to determine the sequence of events leading up to the collision.
• Prepare a Demand Package: In pre-litigation, a lawyer will prepare what is often called a demand package to the insurance company representing the at-fault party to request a specific amount in settlement of the bodily injury claim. Demand packages are a presentation of the details of the auto accident, collection of evidence in the form of exhibits, medical records and billing statements from all medical providers, documents of wage loss, and damages incurred.
• Negotiate with Insurers: The unfortunate reality about car accident cases is that insurance companies are primarily concerned with protecting their bottom line, and that may come at the cost of claimants as they work to downplay the value of cases or outright deny claims. That is why it is crucial to work with the highest rated personal injury attorney in Stockton, CA, that has years of experience working with difficult insurance carriers and defense counsel to ensure that a fair settlement is obtained on behalf of the injured party.
• File in Civil Court: The thought of litigation may be stressful and overwhelming for injured parties. However, the calculation of damages by programs like Colossus often results in unfair settlement offers that may leave claimants without a choice but to file lawsuits. An accident attorney will file in civil court in San Joaquin County, CA. From there, the lawyer will present the case in front of a jury if it is the best option for the client.

One of the greatest benefits of hiring a personal injury lawyer is that most work under contingent fee agreements. This means there are no upfront costs due for legal representation. Attorney’s fees will only be due if there is a successful outcome in the case.