Articles Posted in Insurance

When it comes to car insurance, most people are familiar with the basics: liability, collision, and comprehensive coverage. But what about uninsured or underinsured motorist (UIM) coverage? This type of coverage is often overlooked, but it can provide crucial protection in the event of an accident. In California, it’s especially important to consider UIM coverage…

Being involved in a car accident can be a traumatic and stressful experience. One of the added difficulties that come with it is dealing with medical bills. The costs of medical treatments, surgeries, and other related expenses can add up quickly and can be overwhelming. In this article, we will take a closer look at…

When you’re involved in a car accident, the last thing you want to worry about is paying medical bills. But, unfortunately, that’s often the case when it comes to insurance companies, including Kaiser. In this article, we’ll take a closer look at why Kaiser requests reimbursement after car accidents and what you can do to…

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,…

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, health plans, and insurance-related entities often use outside companies to investigate injury-related medical treatment and medical bills. These companies can include Equian, Optum, Meridian Resource Company, The Rawlings Company, and First Recovery Group. They are commonly involved in healthcare reimbursement or subrogation matters. Some of these companies frequently work with particular health insurers or…

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…