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Costa Mesa Truck Accident Attorney’s Top Ten Ways Insurance Companies Mess With You After a Truck Accident

1. I’m afraid your insurance coverage only pays "excess" medical bills, bills that your health insurance doesn’t pay and only up to the amount of your coverage. Confusing, huh?

2. Oh, I’m sorry. It appears your agent did sell you medical coverage on your auto insurance policy.

3. Well "full coverage" really just means the basic coverage. If you want additional coverages like medical expenses, towing, rental car expenses, see those are extras.

4. Well uninsured motorist coverage really only pays you extra money on your claim if you have coverage in excess of what the party at fault had, and only if we think the value of your claim is worth more than their policy limits. Confusing, huh?

5. Didn’t your agent explain that?

6. I’m afraid you can’t really go by what they say in those commercials.

7. I’m afraid we can’t accept the estimate of the body shop. We’ll need you to leave the car there so an adjuster can look at the damage and speak with the repair shop.

8. I’m afraid we can’t advance money for your car rental.

9. I’m afraid we don’t reimburse you for car rental insurance.

10. I’m afraid we can’t advance any money for medical expenses either. Would you like to be placed on hold and listen to our jingle instead?

 Here are ten additional tips of advice from a truck accident lawyer to follow if you have been in an accident. You can learn more about how to handle an accident in Costa Mesa by calling the Law Offices of R. Sebastian Gibson, or by visiting our website at http://www.SebastianGibsonLaw.com and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it may have been a few hours since the accident. However, if you ever have another accident, or if it’s only been a few hours since you were hurt, here’s what you should do from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good truck accident attorney as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good truck accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good truck accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most truck accident lawyers advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a truck accident in Orange County, Newport Beach, Anaheim, Irvine, Huntington Beach, Corona del Mar, Laguna Beach, Santa Ana, Orange, Fullerton, costa Mesa, Westminster, Buena Park, Mission Viejo, Garden Grove, Laguna Niguel, San Clemente, Chino Hills, or anywhere in Southern California, we have the knowledge and resources to be your Costa Mesa Truck Accident Lawyer and your Orange County Truck Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

About the Author

The Sebastian Gibson Law Firm serves auto, motorcycle and truck accident victims in Orange County, Newport Beach, Anaheim, Irvine, Huntington Beach, Corona del Mar, Laguna Beach, Santa Ana, Orange, Fullerton, Costa Mesa, Westminster, Buena Park, Mission Viejo, Garden Grove, Laguna Niguel, San Clemente, and Chino Hills. We also serve bicycle, pedestrian and car accident clients from Palm Springs and Palm Desert to Indio, from San Diego to Carlsbad, Ontario and Rancho Cucamonga, from Long Beach to San Luis Obispo, from Palmdale to Victorville, and all of Southern California.

Visit our website at http://www.sebastiangibsonlaw.com if you have a personal injury legal matter of any kind. We have the knowledge and resources to represent you as your Orange County Truck Accident Lawyer and Costa Mesa Truck Accident Attorney or your attorney in and around the cities of Oceanside, La Jolla, Del Mar, Chula Vista, El Cajon and Escondido. We also serve Corona, Temecula, Murrieta, Riverside, San Bernardino, Moreno Valley, Fontana, Vista, San Marcos, Solana Beach, Encinitas, Pacific Beach, Newport Coast, Lake Forest and Fountain Valley.

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Wolo Persuader Truck and Marine Horn $45.94 Wolo Air Horns in stock now! Read Wolo Persuader Truck and Marine Horn customer reviews. AutoAccessoriesGarage.com has the best selection of Wolo Horns & Alarms at the lowest prices around. Wolo Persuader Truck and Marine Horn are chosen by auto enthusiasts everywhere to personalize their vehicles. Wolo Persuader Truck and Marine Horn available now at AutoAccessoriesGarage.

Practical Auto & Truck Restoration HP1547 $17.99 How to Plan and Organize Your Project to Save Time and Money

Truck Covers USA Snap Loc Kit $25 Truck Covers USA Cargo Accessories in stock now! Read Truck Covers USA Snap Loc Kit customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Truck Bed Accessories at the lowest prices around. Truck Covers USA Snap Loc Kit are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA Snap Loc Kit available now at AutoAccessoriesGarage.

Truck Covers USA Loc-Down Set AX-303 $25 Truck Covers USA Cargo Accessories in stock now! Read Truck Covers USA Loc-Down Set AX-303 customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Truck Bed Accessories at the lowest prices around. Truck Covers USA Loc-Down Set AX-303 are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA Snap Loc Kit available now at AutoAccessoriesGarage.

Dee Zee Tri Fold Truck Ramp $289.75 Dee Zee Truck Ramps in stock now! Read Dee Zee Tri Fold Truck Ramp customer reviews. AutoAccessoriesGarage.com has the best selection of Dee Zee Truck Bed Accessories at the lowest prices around. Dee Zee Tri Fold Truck Ramp are chosen by auto enthusiasts everywhere to personalize their vehicles. Dee Zee Tri Fold Truck Ramp available now at AutoAccessoriesGarage.

Truck Covers USA Oval Spring Step AX-400-USA $79.99 Truck Covers USA Hitch Steps & Hitch Covers in stock now! Read Truck Covers USA Oval Spring Step AX-400-USA customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Towing & Hitches at the lowest prices around. Truck Covers USA Oval Spring Step AX-400-USA are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA Spring Step available now at AutoAccessoriesGarage.

Truck Covers USA Regular Spring Step AX-401-Flag $79.99 Truck Covers USA Hitch Steps & Hitch Covers in stock now! Read Truck Covers USA Regular Spring Step AX-401-Flag customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Towing & Hitches at the lowest prices around. Truck Covers USA Regular Spring Step AX-401-Flag are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA Spring Step available now at AutoAccessoriesGarage.

Truck Covers USA Oval Spring Step AX-400-Horse $79.99 Truck Covers USA Hitch Steps & Hitch Covers in stock now! Read Truck Covers USA Oval Spring Step AX-400-Horse customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Towing & Hitches at the lowest prices around. Truck Covers USA Oval Spring Step AX-400-Horse are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA Spring Step available now at AutoAccessoriesGarage.

Sportz Truck Bed Air Mattress 30951 $49.99 Sportz Truck Tent Accessories in stock now! Read Sportz Truck Bed Air Mattress 30951 customer reviews. AutoAccessoriesGarage.com has the best selection of Sportz Truck Tents at the lowest prices around. Sportz Truck Bed Air Mattress 30951 are chosen by auto enthusiasts everywhere to personalize their vehicles. Sportz Truck Bed Air Mattress available now at AutoAccessoriesGarage.

Sportz Truck Bed Air Mattress 32000 $69.99 Sportz Truck Tent Accessories in stock now! Read Sportz Truck Bed Air Mattress 32000 customer reviews. AutoAccessoriesGarage.com has the best selection of Sportz Truck Tents at the lowest prices around. Sportz Truck Bed Air Mattress 32000 are chosen by auto enthusiasts everywhere to personalize their vehicles. Sportz Truck Bed Air Mattress available now at AutoAccessoriesGarage.

Dee Zee Heavyweight Truck Bed Mat $36.99 Dee Zee Truck Bed Liners & Mats in stock now! Read Dee Zee Heavyweight Truck Bed Mat customer reviews. AutoAccessoriesGarage.com has the best selection of Dee Zee Truck Bed Accessories at the lowest prices around. Dee Zee Heavyweight Truck Bed Mat are chosen by auto enthusiasts everywhere to personalize their vehicles. Dee Zee Heavyweight Truck Bed Mat available now at AutoAccessoriesGarage.

Truck Covers USA American Roll Tonneau Cover $1495.06 Truck Covers USA Retractable Tonneau Covers in stock now! Read Truck Covers USA American Roll Tonneau Cover customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Tonneau Covers at the lowest prices around. Truck Covers USA American Roll Tonneau Cover are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA American Roll Tonneau Cover available now at AutoAccessoriesGarage.

Truck Covers USA American Work Tonneau Cover $2449.13 Truck Covers USA Toolbox Tonneau Covers in stock now! Read Truck Covers USA American Work Tonneau Cover customer reviews. AutoAccessoriesGarage.com has the best selection of Truck Covers USA Tonneau Covers at the lowest prices around. Truck Covers USA American Work Tonneau Cover are chosen by auto enthusiasts everywhere to personalize their vehicles. Truck Covers USA American Work Tonneau Cover available now at AutoAccessoriesGarage.

Go Rhino Quick Rack Truck Rack $335.59 Go Rhino Truck Utility Racks in stock now! Read Go Rhino Quick Rack Truck Rack customer reviews. AutoAccessoriesGarage.com has the best selection of Go Rhino Truck Bed Accessories at the lowest prices around. Go Rhino Quick Rack Truck Rack are chosen by auto enthusiasts everywhere to personalize their vehicles. Go Rhino Quick Rack Truck Rack available now at AutoAccessoriesGarage.

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Dee Zee Single Lid Crossover Truck Toolbox $294.82 Dee Zee Crossover Toolboxes in stock now! Read Dee Zee Single Lid Crossover Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Dee Zee Truck Toolboxes at the lowest prices around. Dee Zee Single Lid Crossover Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Dee Zee Single Lid Crossover Truck Toolbox available now at AutoAccessoriesGarage.

Deflecta-Shield Ultima Gull Wing Truck Toolbox $322.81 Deflecta-Shield Crossover Toolboxes in stock now! Read Deflecta-Shield Ultima Gull Wing Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Ultima Gull Wing Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Ultima Gull Wing Truck Toolbox available now at AutoAccessoriesGarage.

Deflecta-Shield Challenger Truck Tool Chest $264.34 Deflecta-Shield Specialty Toolboxes in stock now! Read Deflecta-Shield Challenger Truck Tool Chest customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Challenger Truck Tool Chest are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Challenger Truck Tool Chest available now at AutoAccessoriesGarage.

Deflecta-Shield Challenger Topside Truck Storage Box $472.07 Deflecta-Shield Side Mount Toolboxes in stock now! Read Deflecta-Shield Challenger Topside Truck Storage Box customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Challenger Topside Truck Storage Box are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Challenger Topside Truck Storage Box available now at AutoAccessoriesGarage.

Deflecta-Shield Challenger Side Mount Truck Toolbox $214.78 Deflecta-Shield Side Mount Toolboxes in stock now! Read Deflecta-Shield Challenger Side Mount Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Challenger Side Mount Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Challenger Side Mount Truck Toolbox available now at AutoAccessoriesGarage.

Deflecta-Shield Seal-Tite Crossover Truck Toolbox $648.28 Deflecta-Shield Crossover Toolboxes in stock now! Read Deflecta-Shield Seal-Tite Crossover Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Seal-Tite Crossover Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Seal-Tite Crossover Truck Toolbox available now at AutoAccessoriesGarage.

Deflecta-Shield Ultima Single Lid Truck Toolbox $322.81 Deflecta-Shield Crossover Toolboxes in stock now! Read Deflecta-Shield Ultima Single Lid Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Ultima Single Lid Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Ultima Single Lid Truck Toolbox available now at AutoAccessoriesGarage.

Deflecta-Shield Challenger Gull-Wing Truck Toolbox $379.57 Deflecta-Shield Crossover Toolboxes in stock now! Read Deflecta-Shield Challenger Gull-Wing Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Challenger Gull-Wing Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Challenger Gull-Wing Truck Toolbox available now at AutoAccessoriesGarage.

Deflecta-Shield Challenger Single Lid Truck Toolbox $379.57 Deflecta-Shield Crossover Toolboxes in stock now! Read Deflecta-Shield Challenger Single Lid Truck Toolbox customer reviews. AutoAccessoriesGarage.com has the best selection of Deflecta-Shield Truck Toolboxes at the lowest prices around. Deflecta-Shield Challenger Single Lid Truck Toolbox are chosen by auto enthusiasts everywhere to personalize their vehicles. Deflecta-Shield Challenger Single Lid Truck Toolbox available now at AutoAccessoriesGarage.

Thule Bed Rider Truck Bike Carrier $35.95 Thule Truck Bed Bike Racks in stock now! Read Thule Bed Rider Truck Bike Carrier customer reviews. AutoAccessoriesGarage.com has the best selection of Thule Bike Racks at the lowest prices around. Thule Bed Rider Truck Bike Carrier are chosen by auto enthusiasts everywhere to personalize their vehicles. Thule Bed Rider Truck Bike Carrier available now at AutoAccessoriesGarage.

Carr 12 In. Retractable Work Truck Step 501010 $275.94 Carr Truck Side Steps in stock now! Read Carr 12 In. Retractable Work Truck Step 501010 customer reviews. AutoAccessoriesGarage.com has the best selection of Carr Running Boards & Side Steps at the lowest prices around. Carr 12 In. Retractable Work Truck Step 501010 are chosen by auto enthusiasts everywhere to personalize their vehicles. Carr Retractable Work Truck Step available now at AutoAccessoriesGarage.

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