Med Pay coverage in California (also known as medical payment coverage) is a type of optional insurance which covers bodily injuries caused by an auto accident. This type of insurance does not only cover injuries of a policyholder, but also covers injuries for the passengers who were involved in the accident as well. The unique quality about Med Pay is that medical expenses related to the injuries are covered no matter who is at fault for the accident. Advantages of medical payment coverage are that the policyholder and his/her family members can claim damages in case they:
Primary coverage provides the policyholder with a wide amount of insurance. A personal injury lawyer collects the medical bills that the policyholder has accrued after his accident. They bring forth those bills to the driver’s auto insurance, and the company will compensate for the damages.
Second coverage is not expensive but is only applicable if the driver already possess health insurance. The main advantages of secondary coverage are that the co-pays, deductibles, and the segment of the medical cost that the driver’s insurance company does not pay for will be also covered. Additionally, it is worth mentioning that Med-Pay is not unlimited, and the largest amount a policyholder can receive is $25,000 dollars.
When comparing Med Pay and PIP it can be difficult to decide which one to choose. Depending on your circumstances, it is important to decide which auto insurance coverage would fit you best.
Med Pay covers medical, recovery, and even dental expenses after an accident but it does not replace any kind of health insurance.
PIP coverage is a little more extensive than just covering only medical bills. With this type of insurance rehabilitation expenses, psychiatric bills and occupational therapy costs will be covered. PIP also offers insurance for lost wages.
The insurance covers all related medical payments from when the vehicle accident took place all the way through the treatment process. The expenses can include:
The following expenses are not covered under California medical payments insurance:
Do you have any additional questions about med-pay coverage for a specific situation that you're involved in? You should be able to seek legal assistance from an attorney in your area. KAASS Law offers services throughout Los Angeles County, San Bernardino County, Ventura County, and surrounding areas. If you are located within our service area, feel free to give us a call about any questions or concerns you have regarding your matter. We will try to help you out with the best of our ability.
HOAs otherwise known as Homeowners Association, will have its own HOA bylaws, rules and regulations, as outline in its Declaration of Covenants, Conditions, and Restrictions, or CC&Rs for short.
The CC&Rs act as the governing documents by which the HOA conducts its business, which is usually to ensure that the properties within the planned community have as high of a market value as possible. However, there are also bylaws to beware of, as there are some key differences between the HOA bylaws and the CC&Rs.
To be clear, the CC&Rs serve as the legal binding document that outlines the guidelines for the planned community, as well as how all of the members within that community should conduct themselves.
CC&Rs are recorded and archived within the county records of whichever county the property is located. Basically, that’s all a really fancy way of saying that the CC&Rs are legally binding and getting out of it is extremely difficult since it gets recorded and reported to county officials. It also goes without saying that upon purchasing a home within a planned community, you automatically become a member of the homeowners’ association there, whether you like it or not.
Put simply, the CC&Rs are the rules of your community. Those can include many differences protocols, regulations, and some of them can be very oddly specific (link here to the previous article).
Turo third-party auto liability insurance is purchased through Turo and includes coverage for renters/guests under a third-party automobile liability insurance policy purchased from Liberty Surplus Lines, a Liberty Mutual Group company Said Liberty Mutual Policy provides guests with insurance coverage while they are driving the rented vehicle during the booked trip. The following covers information regarding Turo's California peer-to-peer car rental insurance coverage.
According to the Turo website, Turo's insurance coverage for bodily injury and property damage to 3rd parties is as follows:
California Identity Theft , under Penal Code 530 PC usually occurs when: a defendant unlawfully gained unauthorized access to a computer’s information or someone else’s sensitive personal information and used that information for financial or personal gain. This can be achieved by creating a credit card or opening up an account under someone else’s identity in order to obtain money or items which they are not entitled to.
As discussed above, identity theft under California Penal Code Section 530 occurs when a person unlawfully and intentionally acquires and retains possession of personal identifying information of another person. In other words, identity theft occurs when a person uses your personal identifying information without permission to commit fraud or other theft related crimes. Identity theft crimes can include obtaining a consumers:
Judgement or settlement which exceeds policy limits after denying a settlement offer within policy limits and the excess settlement rule. California Court of Appeals ruled that primary insurance companies are responsible for paying all losses in excess of policy limits after denying a within-limits settlement offer, regardless of whether the excess loss arises out of a verdict, judgment or a settlement.
The Second District California Court of Appeal’s August 5, 2016 opinion in Ace American Ins. Co. v. Fireman’s Fund Ins. Co. found that “where the insured or excess insurer has actually contributed to an excess settlement, [the insured or excess insurer] may allege that the primary insurer’s breach of the duty to accept reasonable settlement offers resulted in damages in the form of the excess settlement.” The lack of a final judgment was immaterial, as there was “no persuasive reason to hold that the [policyholder] or its assignee, [the excess insurance company], must suffer that loss with no remedy simply because the case reached an eventual settlement instead of being litigated through trial.”
Multiple vehicle auto accidents are fairly common on California’s congested freeways, which begins with one driver rear ending another driver, resulting in a chain reaction that involves 3 or more vehicles. Alternatively, an accident may occur when a driver runs a red light and hits another car broadside, setting the stage for a multiple car pileup accident. Multi-vehicle car accidents create an added challenge for determining liability for injuries that vehicle occupants suffer. If you are involved in a multi car accident, it is vital you exchange insurance information with all the drivers involved, obtain witness contact information and contact the police to come to the scene and create a police report. It is also absolutely vital you take photographs of the scene, including skid marks, vehicle debris and property damage from multiple angles. If you suffer injury due to pile up accident in our area, you can contact our experienced Glendale auto accident attorney soon after the accident in order to ensure that all pertinent evidence is immediately identified and documented. If you or a loved one has been involved in a multi-car accident, we invite you to contact a car accident attorney in Glendale, CA for a and . Our office will handle your car accident claim, set you up with health care professionals for any needed treatment. We don't charge you any upfront legal fees, as we charge a contingency fee, meaning you don't pay, unless we are able to recover money damages from the responsible parties.
California law requires all drivers to purchase insurance that offers minimum liability amount of $15,000 of bodily injury coverage per person up to a maximum of $30,000 if two or more people are injured. In addition, drivers must also carry a minimum of $5,000 for property damage coverage. Oftentimes, if you are injured in an auto accident, the driver at fault may only have the state minimum, while your damages may be far more. For instance, if your total medical bills were over $15,000 and the at-fault party only have $15,000, you may not be able to recover for damages for pain and suffering.
Luckily, if your insurance policy also contains Uninsured Motorist "UM" and Underinsured Motorist "UIM" coverage, you may be able to file a claim under your UIM coverage. Underinsured motorist coverage will be able to provide a limited amount of coverage for injuries sustained by you and your passengers. This occurs when you are involved in an accident with another motorist who does not have enough insurance to pay for your injuries.
A brain hemorrhage injury following a motorcycle accident may cause a victim to suffer permanent brain damage. Head hemorrhage or head injuries are some of the most devastating injuries that motorcyclists can suffer in an accident. While, wearing a motorcycle helmet can reduce the motorcyclist's risk of sustaining brain damage from impact, it does not give the motorcyclist complete protection. Motorcycle accident injuries can be reduced by wearing protective gear while riding. When a motorcyclist's is involved in an motorcycle accident, he bares the risk of having his brain shaken violently within the skull if his head hits the pavement or an object. If this occurs, this may cause a brain hemorrhage. Brain hemorrhaging can occur when arteries and blood vessels burst and bleed inside or outside the brain. Generally, when a victim in a motorcycle accidents suffers as a result of the accidentthe brain hemorrhage puts pressure on the brain, which reduces blood supply to brain tissues. Often times, brain hemorrhage injuries can be life-threatening and requires immediate medical attention.
Before you file a lawsuit for breach of contract in Los Angeles Court there are a few requirements to prove. In order to be successful in a breach of contract lawsuit, the Plaintiff must prove the basic elements for breach of contract, including: Whether or not a valid contract existed.
The four basic requirements of a valid contract include the following:
Motorcycle accident injuries can be reduced by wearing protective gear while riding. While, wearing a motorcycle helmet while riding reduces a motorcyclist’s risk of head trauma, however only by a certain percent. According to CDC wearing a helmet lowers the risk of a head injury by estimated 69 percent and lowers the risk of death by estimated 37 percent. California has motorcycle helmet laws which riders are required to follow. Even when rider wears a helmet, serious head injuries can still occur. Some of the most common motorcycle accident injuries include:
For example, the CC&Rs may say that you need to keep your garage door shut or they might forbid you from painting your house a certain color. Basically, the CC&Rs tell you what you can and cannot do with your property because it is in a planned community.
Other things that CC&Rs frequently regulate include:
As you can see, there are lots of things to watch out for in a CC&Rs since they can be so particular about what is and is not allowed. If you don’t heed the rules set forth by the CC&Rs, then the homeowners’ association can fine you penalty fees and potentially even force you to give up the house for frequent violations.
By The Way... Bylaws are Different
So, now that we have gone over what CC&Rs are... It’s time to tackle the other elephant in the room: HOA Bylaws. To do that, we have to first understand what an HOA is and how it is set up. A homeowners’ association is almost always established as a nonprofit corporation so that they can spearhead and manage private, planned communities.
Just as with other corporations, an HOA must be governed by a board of directors whom the members elect and a set of rules called bylaws must be written into effect.
The bylaws state how the HOA conducts its operations and business and they contain all of the information and details necessary to run the HOA as a business. Therefore, just like other businesses and corporations, HOA bylaws discuss matters like:
As you can see, the HOA is filled with bureaucracy and much of its internal processes are very boring and time consuming. Of course, because it needs to be run by the people who are its members, that means that your neighbors within the planned community are all going to be present at these proceedings and meetings.
This can amount to quite a lot of neighborhood drama if people disagree upon which rules or laws to set or remove from the bylaws or CC&Rs. Therefore, as a minimum level of precaution we warn and strongly advise all of our clients who are considering purchasing a home in an HOA community to take some time and to familiarize themselves with both the CC&Rs as well as the bylaws of the HOA so that you can be aware of any neighborhood restrictions and prohibitions.
Contact our California homeowner association lawyer if you have a dispute with your HOA, HOA insurance claims, HOA penalty, adverse action taken against you by HOA for failing to follow California Homeowners’ Associations and CC&Rs, or any other HOA related matter.
We break down the details to you very clearly so you do not fall into a costly trap later and we can also help you fight some of the ridiculously restrictive rules and regulations of some CC&Rs. If you have any questions or concerns surrounding homeowners’ associations and the covenants, conditions and restrictions that they may come with, we highly encourage you to give us a toll free call at (310) 943-1171 to speak to our California homeowner association lawyers today.
According to the Turo website, Turo's insurance uninsured or underinsured Motorist (“UM/UIM") insurance coverage is as follows:
Protection plans made available by Turo also address the renters liability for any damage to the booked vehicle which may occur during the booked trip.
The person who rents out a car using Turo is responsible to return the booked vehicle on time and in the same condition as when they first received it. The renter is held financially responsible for all physical damage to the booked vehicle, as well as related costs, if any. If, for instance, there is physical damage to the booked vehicle during the period of the booked trip, the renter will be legally liable for the costs of repair, plus related costs, if any. If there is physical damage to the rented vehicle and the cost of repair exceeds 75% of the actual cash value of the vehicle, the renter will be legally liable for the actual cash value of the booked vehicle, plus related costs, minus the salvage value, if any.
If you were involved in an peer-to-peer sharing auto accident in California we invite you to hire our dedicated Los Angeles Turo accident and insurance lawyer today. Our skilled accident attorneys leverage their considerable experience into obtaining significant settlements from insurance companies who are known for being reluctant to pay out on claims. You can rely on our experienced lawyer to carefully analyze the facts of your case to prove the facts necessary. To schedule a free consultation with one of our peer-to-peer sharing app lawyers, call Kaass law today at (310) 943-1171 or send us an email through our online appointment form.
Felony identity theft charges in California carry punishment of 3 years in state prison, court order to pay compensatory damages to the victim(s) that suffered damages, other fines, parole, and/or probation. Call now for a free consultation and case review at (310) 943-1171. If you or someone you love got these accusations of identity theft in California, it is important to understand the penalties that accompany a identity theft conviction. We invite you to contact our Glendale criminal lawyers for a free consultation and case review. Call our office at (310) 943-1171, our attorneys at KAASS Law speak English, French, Spanish, Russian, Armenian, and Italian.
KAASS LAW is authorized to practice law in California. The above content is for California residents only. This content provides only general information which may or may not reflect current legal developments. KAASS LAW expressly disclaims all liability in respect to actions taken or not taken based on any of the contents of this website. The above content DOES NOT create an attorney-client relationship. KAASS LAW does not represent you unless you have expressly retained KAASS LAW in person at the KAASS LAW office.
KAASS LAW helps clients in: Los Angeles, Burbank, Hollywood, Glendale, Van Nuys, North Hollywood, Studio City, Highland Park, Eagle Rock. Sunland, Tujunga, Sylmar, La Crescenta, La Canada, Beverly Hills, Westwood, Santa Monica, Brentwood. Pacoima, Montebello, Commerce, Alhambra, Downey, Bell, Maywood, Walnut Park, Vernon, Lynwood, Echo Park, Silverlake, Mission Hills, Northridge, Woodland Hills, Encino, Canoga Park, North Hills, Porter Ranch, Chatsworth, Reseda.
In order words, in the event that a policyholder(s) do not have excess insurance, policyholders should argue that their first party insurance company or primary insurer who rejected a within-limits settlement offer is obligated to pay the full amount of any subsequent settlement which exceeds that insured's policy limits. There is no reason why the first party insured should be forced to contribute or pay a settlement of which first party insured could recover by filing at first party bad faith action against their primary insurance company.
California insurance bad faith actions arise when insurance company breaches the implied obligation of good faith and fair dealing. Insurance companies must, unreasonably or without proper cause, act or fail to act in a manner that deprives the insured of the benefits of the policy. It is not a mere failure to exercise reasonable care. However, it is not necessary for the insurer to intend to deprive the insured of the benefits of the policy. Generally, the term bad faith for insurance purposes means an insurance company:
The court found that when an insurer's failure to reasonably settle a claim within policy limits, after primary or "first party" insurance rejected a within-limits settlement offer and there is a judgement against their insured/policyholder, whether by settlement or verdict, the first party insurance company must pay any excess monies, whether through jury verdict, settlement, or judgment. Policy limits demands can be a powerful tool for plaintiffs' insurance lawyers and can cause headaches for claims adjusters. While, it all depends on the circumstances surrounding the claim or issue, an insurer that misses an opportunity for a reasonable settlement of a claim against its insured can now be liable for the full amount of a later judgment, regardless of the policy limits. If you believe that your primary insurance company rejected a within-limits settlement offer and an later there was a subsequent settlement or judgement which exceeds your policy limits or you believe that your insurance company may be acting in bad faith, speak to one of our Los Angeles insurance lawyers for a free consultation and case review. Call our office at (310) 943-1171, our attorneys speak English, French, Spanish, Russian, Armenian, and Italian.
Determining fault in a multi-car accident is the biggest barrier to overcome in these types of accidents. From a factual perspective, determining causation can be tricky. In a case where a driver admits to being distracted and being the first car to rear-end another car in a line of cars, it may be appropriate to assign that driver 100% liability. Often times however, there are other factors at play including, bad weather conditions, driving to close to another vehicle, road construction, drunk driving, or aggressive driving. Thus, it is vital to speak with a car accident attorney that has experience with handling multi-car accident insurance claims.
When tailgating contributes to a multiple vehicle auto accident, all drivers who tailgated potentially shares some liability for causing injuries of occupants in vehicles that are ahead of the tailgating driver. The driver of the vehicle that collides with the car at the end of the chain likely has the greatest fault. On the other hand, if the driver of the car at the end had followed the next car at a greater distance, perhaps that driver’s car would not have been pushed into the car that he or she was following. Chain reaction accidents or multi car accident in a “stop and go” traffic scenario also create issues of comparative negligence. Generally, drivers are not held responsible for following another vehicle too closely when the vehicles in traffic are stopped, but if the chain reaction collision occurs while the cars are in motion, the legal notion of "comparative negligence"comes into play. If some cars are in motion but others are not, sorting out responsibility becomes a difficult task. If you were involved in an chain reaction or multi-auto accident call or contact our Glendale personal injury attorneys for a free consultation. We will fully review your case, answer any questions you may have, and explain the process as you move forward.
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Uninsured motorst coverage provides protection for you and your pasangers for bodily injury sustained in the event the at fault party is not insured. As such, you and your passangers can file UM claims with your insurance company to recover compensation for your injuries. Unfortunately, oftentimes insurance companies use various tactics to try to avoid paying claims that are filed by their own insureds. Thus, it is very important to seek advice from an experienced Glendale personal injury lawyer as soon as possible to help preserve your claim. On the other hand, if you feel that your insurance company is wrongfully denying your claim, it is vital you seek advice from a personal injury attorney that has experience in handling first-party insurance bad faith claims.
There are several scenarios of how insurance adjusters try to deny and or devalue your UM and UIM claim. Some of these examples include the following:
Get help from an experienced personal injury attorney following an accident in California with an uninsured or underinsured motorist. Our personal injury attorney at KAASS Law team for a free no-obligation consultation, we are available 24/7. We also provide 24/7 accident assistance, call now at (310) 943-1171.
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Symptoms of brain hemorrhaging following a motorcycle accident may not be immediately apparent. Brain hemorrhage symptoms may develop over time as the blood accumulates within the brain. Common symptoms of brain hemorrhage injury following a motorcycle crash include:
Other common motorcycle accident injuries include the following:
Hiring a Los Angeles motorcycle accident attorney can help victims' preserve their accident claim, increase compensation, and avoid having to deal with the difficulties of insurance companies and insurance adjusters. As experienced motorcycle accident litigators, we have successfully litigated various personal injury cases. KAASS LAW understands the mastery it takes to successfully receive fair settlements during the claims stage of a personal injury or accident case. When you are involved in a motorcycle accident and suffer damages, you are legally entitled to compensation by negligent and responsible parties, or their insurance carriers. We invite you to contact our motorcycle accident attorneys for a free personal injury consultation. We will review your motorcycle accident claim, evaluate the facts surrounding your case, and consult with you on your options. Please call our office at (310) 943-1171 and speak to an experienced Los Angeles motorcycle accident attorney.
A contract is a binding agreement between two or more parties. Section 1 of the Restatement defines a contract as ‘‘a promise or a set of promises for the breach of which the law gives a remedy, or the performance of which the law in some way recognizes as a duty.’’
An "offer" is a manifestation of present contractual intent, communicated to an identified offeree, containing definite and certain terms. The offer element is further analyzed objectively, rather than subjectively. In order other words, for Plaintiff to prove breach of contract, s/he must also prove that the parties intended to enter into a contract.
Two laws govern contract law and depending on the type of transaction or agreement parties have entered into the Courts will determine under which law governs the contracts. The two laws which govern contracts law is common law contracts and the Uniform Commercial Code.
Most contracts are governed by state common law, such as employment contracts, service contracts, or the sale of real property.
The uniform commercial code "UCC" governs contracts which involve merchants engaging in the sales of goods. UCC applies to:
When a party has breached the terms of a contract or interfered with their contractual duties they can be held liable for tort or damages caused to the other party.
The statute of limitation to bring suit for breach of contract in California depends on the type of contract the parties entered to. Breach of written contract differs from oral contracts.
If you are involved in a business dispute or breach of contract matter we invite you to speak to our Glendale business attorney at KAASS Law today! Give us a call or get in touch with us at (310) 943-1171 using the form below; our attorneys speak English, French, Spanish, Russian, and Armenian. [contact-form to='[email protected]' subject='Contract'][contact-field label='Name' type='name' required='1'/][contact-field label='Email' type='email' required='1'/][contact-field label='Phone Number' type='text' required='1'/][contact-field label='Message' type='textarea' required='1'/][/contact-form]
The only real reason to lay down your motorcycle is if you are almost certain that you will not be able to stop your bike in time and you have nowhere to swerve to avoid the accident. In other words, if swerving out of the way or hitting your breaks is not an option because you believe that even more serious consequences will results, laying down your motorcycle would be a good choice in this type circumstance.
Successful, rapid stopping is best accomplished by quickly applying both the front and rear brakes at the same time. If doing so results in your front wheel locking, then at that point you have to rapidly disengage the brake before firmly reapplying pressure to the rear brake. On the other hand, if your rear wheel locks up as opposed to the front wheel, then it is best to allow it to remain locked and kee[ applying the brakes until you have completely stopped. Hiring a Los Angeles motorcycle accident attorney and motorcycle accident attorney in Glendale can help motorcycle accident victims preserve their accident claim, increase compensation, and avoid having to deal with the difficulties of insurance companies and insurance adjusters. As experienced motorcycle accident litigators, we have successfully litigated various personal injury cases. KAASS LAW understands the mastery it takes to successfully receive fair settlements during the claims stage of a personal injury or accident case. When you are involved in a motorcycle accident and suffer damages, you are legally entitled to compensation by negligent and responsible parties, or their insurance carriers. We invite you to contact our motorcycle accident attorneys for a free personal injury consultation. We will review your motorcycle accident claim, evaluate the facts surrounding your case, and consult with you on your options. Please call our office at (310) 943-1171 and speak to an experienced Los Angeles motorcycle accident attorney. Give us a call, our attorneys speak English, French, Spanish, Russian, Armenian, and Italian. [su_button url="tel:+1 3109431171" background="#2def58" color="#ffffff" size="9" center="yes" icon="icon: share"]CALL US NOW FOR A FREE CONSULT[/su_button] KAASS LAW is authorized to practice law in California. The above content is intended for California residents only. This content provides only general information which may or may not reflect current legal developments. KAASS LAW expressly disclaims all liability in respect to actions taken or not taken based on any of the contents of this website. The above content DOES NOT create an attorney-client relationship. KAASS LAW does not represent you unless you have expressly retained KAASS LAW in person at the KAASS LAW office. KAASS LAW Motorcycle Accident Collision Lawyers and Attorneys helps clients in: County of Los Angeles, City of Los Angeles, Burbank, West Hollywood, Glendale, Van Nuys, North Hollywood, Studio City, Highland Park, Eagle Rock, Sunland, Tujunga, Sylmar, La Crescenta, La Canada, Beverly Hills, Westwood, Santa Monica, Brentwood. Pacoima, Montebello, Commerce, Alhambra, Downey, Bell, Maywood, Walnut Park, Vernon, Lynwood, Echo Park, Silverlake, Mission Hills, Northridge, Calabasas, Woodland Hills, Encino, Canoga Park, North Hills, Porter Ranch, Chatsworth, Reseda. Pamona FOR A FREE DETAILED REVIEW BY OUR AWARD WINNING LOS ANGELES MOTORCYCLE ACCIDENT ATTORNEYS FILL OUT THE FOLLOWING FORM: [contact-form to='[email protected]' subject='NEW CLIENT - Moto Accident'][contact-field label='Name' type='name' required='1'/][contact-field label='Email' type='email' required='1'/][contact-field label='Phone' type='url' required='1'/][contact-field label='Facts of Accident' type='textarea' required='1'/][/contact-form] https://kaass.com/california-motorcycle-helmet-laws/ https://kaass.com/common-causes-of-motorcycle-accidents/ https://kaass.com/common-traumatic-brain-injury-symptoms/