Articles Posted in Insurance

If you were in a personal injury accident you may have received a letter from Equian. You may be wondering: Is Equian a legitimate company? Equian is a subrogation company that specializes in car accident cases, particularly in the state of California. But what exactly does that mean? Equian Subrogation First and foremost, it’s important…

When you’ve been in an accident, the last thing you want to worry about is dealing with insurance companies. Unfortunately, insurance companies play a crucial role in personal injury cases. As such, it’s important to understand how they operate and how to handle them effectively. In California, there are around 174,000 reported traffic collisions annually,…

Navigating the personal injury claims process in San Francisco can be overwhelming, especially if you are dealing with the physical and emotional effects of an accident. Understanding the steps involved in the process and knowing what to expect can help you manage your claim effectively and increase your chances of obtaining a fair settlement. Step…

If you make a claim to an insurance company, they may ask you to take a recorded statement. Sometimes, you have no legal obligation to make a recorded statement. Other times it is necessary to proceed with a claim. Regardless, your recorded statement can either improve or worsen your chances of recovering money for your…

Insurance companies conduct surveillance of personal injury victims. If you are injured, then it is possible that insurance company hires a private investigator to follow you. Insurance companies do not conduct surveillance on every single personal injury case. But some cases are much more likely for video surveillance. How do Insurance Companies Conduct Surveillance on…

UIM and UM are abbreviations for a type of automobile insurance policy that provides benefits when another driver does not have enough insurance. UIM stands for under insured motorist coverage; UM is an abbreviation for uninsured motorist coverage. In California, all automobile insurance companies are obligated to offer UIM and UM coverage. However, California does…

Hospitals and medical providers often hire companies to investigate medical treatments and medical bills. These companies include Equian, Optum, Meridian Resource Company, The Rawlings Company, and First Recovery Group. They are known as healthcare subrogation companies. Some of these companies exclusively work with particular health care insurance providers. For example, Equian often seeks reimbursement on…

Most personal injury claims are settled after negotiating with the insurance agents and before a lawsuit is filed. This means that most claims settle before an insurance company even retains an attorney to defend the lawsuit. Therefore, in all likelihood initial settlement discussions occur with an insurance claims representative. Insurance companies hire representatives to investigate…

Often, when an insurance company believes they may have to cover a insurance claim, they request a recorded statement. There are two different types of recorded statements: 1) when another person’s insurance company interviews you and 2) when your own insurance company interviews you. While the interviews are very similar, they have different objectives. Recorded…

Having an auto accident and making a personal injury claim can oftentimes be stressful. While you may consider retaining an experienced attorney to assist you with the process and negotiations, you may also decide to work with the insurance company yourself. Here are 5 tips to negotiate with an insurance company or insurance adjuster. Plan…