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    Rancho Cucamonga Car Accident Lawyer

    Every year the lives of approximately 1.3 million people are cut short as a result of a road traffic crash. Between 20 and 50 million more people suffer non-fatal injuries, with many incurring a disability as a result of their injury.

    Road traffic injuries cause considerable economic losses to individuals, their families, and to nations as a whole. These losses arise from the cost of treatment as well as lost productivity for those killed or disabled by their injuries, and for family members who need to take time off work or school to care for the injured. Road traffic crashes cost most countries 3% of their gross domestic product.

    Road crash

    Do you need an injury attorney in Rancho Cucamonga?

    Hiring a Rancho Cucamonga car accident lawyer isn’t something you plan ahead for. Accidents and injuries happen when you least expect them. When they do, you need a top car accident and injury law firm to represent you. Krasney Law is a full-service Rancho Cucamonga California personal injury law firm with a long record of success. Our clients trust us to fight for their rights and get the best possible results for their cases.

    If you are not in need of emergency medical attention, it is important that you gather vital information while at the scene of the incident. Some of the most important pieces of information to collect are that of the following: The other person’s driver’s license information, the other driver’s insurance company information, Witness contact information, and Law enforcement officer names and/or contact information.

    Another valuable tip is to take quality pictures of the scene when it first occurred. If you and/or anyone else involved in the accident is not in need of emergency medical attention, obtain pictures of the following: The locations of the cars, Any visible physical damages sustained on each car, Any picture that would indicate the weather conditions, and All nearby street signs, which might have played a role in the accident.

    If you or someone you know has recently been involved in an automobile accident we are here to help. Our no obligation and confidential case evaluation provides important details about your rights and responsibilities after an accident. 

    Automobile accident cases are time sensitive so understanding your rights sooner may make all the difference.

    Call the Rancho Cucamonga car accident attorney at Krasney Law Right After Your Accident

    The damages and injuries from a car accident begin impacting your life right away. We will help you:

    • Get the best medical care for your injuries and get your medical bills paid.
    • Obtain reimbursement for out-of-pocket expenses.
    • Recover lost income and wages due to your inability to work.
    • Retrieve your car from the tow-yard and/or have it repaired or replaced at the top replacement value.

    During your initial consultation, our Rancho Cucamonga car accident lawyers will tell you how much your case is worth. We’ll explain your options for recovery and explain how we will fight to get you the maximum recovery possible.

    Why we are the right firm for you:

    • We have in-depth experience handling a broad range of personal injuries and wrongful deaths occurring from car accidents.
    • Medical bills begin mounting quickly after a car accident. We act quickly to help get your medical bills paid so you can get back to normal life as soon as possible.
    • We give your case the personal attention it needs instead of handing it off to someone else.
    • If you’re confined to the hospital or at home, we come to you, often on the same day you call.
    • We are highly knowledgeable and experienced in California’s personal injury law, and we serve clients statewide.
    • We know how to negotiate with insurance companies to get you the best settlement for your case.
    • If we don’t recover any money for you, you never pay a fee.

    How Our Best Rancho Cucamonga Car Accident Lawyers Can Help You

    When another driver causes your injuries due to their negligence or recklessness, you have the legal right to compensation. Without a knowledgeable Rancho Cucamonga car accident lawyer to represent you, you might not get the compensation you need and deserve. Hiring the right attorney immediately following the accident ensures you get the legal representation you need to achieve a fair outcome.

    Benefits of Hiring a Car Accident Lawyer in Rancho Cucamonga, California

    Sound Legal Advice

    The laws pertaining to personal injuries from car accidents are complex. Car accident lawyer Rancho Cucamonga knows from their training and experience how these cases typically unfold. The experienced attorneys at Krasney Law know how the case is investigated and the information obtained by all parties. Without sound legal advice, it’s easy for you to say or do something that could hurt your case.

    Some of the best advice given to car accident victims starts at the scene. It’s up to you to take pictures and gather names and contact information of other parties and any witnesses. What you don’t do at the scene is just as important. Never apologize to the other party or admit any guilt. Don’t talk with an insurance representative or anyone else involved in the case. Instead, contact an accident attorney Rancho Cucamonga with the information you have. We will make sure it isn’t used against you instead of supporting your claim.

    Experienced Representation

    Our car accident attorneys have years of experience. We’ve witnessed nearly every imaginable scenario. We know how to obtain evidence and present it in court. Not only do we have tried-and-true strategies for preparing and arguing your case, but we know the strategies used by the defendant. You only have one opportunity to prove your case and get the compensation you need. Put your case in the hands of the experienced legal experts who know how to build your strongest case.

    Protection from Insurance Companies

    Most car accident claims are between the injured victim and the at-fault party. Insurance companies retain high-powered attorneys and other professionals to represent their interests. Without experienced legal representation, you won’t have a fair chance of winning your argument. It takes a legal team who knows the law and the tactics used by insurance companies and who has the skills to beat them.

    Fair Compensation

    Injuries from a car crash can affect every aspect of a person’s life. The financial impact of medical bills might last for months, years, or the rest of their lives. If another driver is responsible for your injuries and your debt, the law dictates that the person who caused the accident must be held accountable. Without a knowledgeable personal injury attorney who knows your rights and will fight aggressively for you, you might not get a fair settlement.

    Help Bring Relief

    The money awarded to you after a car accident can help you recover from your losses. It makes it possible to pay your bills, replace or repair your damaged property, and restore some degree of normalcy to your life. Sometimes what seems like an adequate settlement initially turns out to be insufficient to cover the extent of bodily injuries a person suffers. Realizing that an injury is more severe than originally believed won’t change the outcome of the case. Once the case is presented and the judge has ruled, the decision on how much compensation to award is final.

    Car accidents not only cause physical injuries and financial strain. They also result in the loss of vehicle, emotional distress, and loss of life. Many drivers don’t realize that having insurance isn’t enough to ensure they get paid when they deserve it. Insurance companies try every means to prevent paying out claims. If you try dealing with the insurance company on your own, they will use your lack of experience to keep from paying you.

    If you are injured in a car accident in Rancho Cucamonga, contact Krasney Law. We will come to your location to discuss your case and your options with you.

    Rancho Cucamonga is the largest county in the country. It is heavily populated, and there are many family-friendly attractions and tourist destinations. Beautiful scenery and a diversity of attractions mean that Rancho Cucamonga has more than its fair share of car accidents. This is especially true during the winter months when the winding mountain roads become more hazardous.

    Contact The Rancho Cucamonga Car Accident Lawyers Today!

    Anyone who has ever been in an accident knows the confusion and horror that occur. The resulting injuries or wrongful death can impact an accident victim’s quality of life long after the accident occurs. The car accident lawyers at Krasney Law will treat you with the compassion and guidance you need during this difficult time.

    Rancho Cucamonga’s leading accident attorneys are here to help.  We will be there from the time you make the first call until after you receive the fair compensation you deserve.

    What you need to know about car insurance

    What is car insurance and how does it work?

    Auto insurance is a form of financial protection that covers a variety of vehicle incidents that could affect you, your vehicle, or others and their vehicle.While most states require a specific minimum amount or type of coverage to be purchased, industry experts typically recommend having more robust financial protection to protect your finances in the event of a costly loss.

    Auto policies will cover certain incidents of injury, damage or liability. Coverage limits can be set to satisfy your preferred level of financial protection, though not all coverage types will apply in all states or for all policies. In addition, deductibles are specific to certain coverage types. Because a higher deductible means you are willing to pay more if you file a claim, selecting a higher deductible can lower your premium cost.

    More than a dozen rating variables unique to each driver go into determining how much you pay for auto insurance. As each carrier uses different rating factors and weights when underwriting policies, comparing quotes from multiple insurers is often essential in finding the most affordable rate.

    While your exact level of coverage will depend on the policy you choose, filing a claim could potentially offer you a payout for loss caused by an uninsured motorist, weather event, occurrence of theft or vandalism, or a multitude of other damaging events. Similarly, if you are involved in an accident with another driver and they are at fault, their auto insurance could help cover your medical expenses and property damage (depending upon the state).

    What are the different types of car insurance coverage?

    Most auto insurance companies offer similar types of coverage, although variations do exist, especially with endorsements, or “add-ons.” Some companies might offer gap coverage as an option, for example, while another company doesn’t. Below are the types of car insurance coverage that most companies offer:

    Almost always required by law
    In most states, drivers are legally required to carry at least certain minimum limits of these coverage types:

    • Bodily injury liability coverage pays for the injuries that you cause to others in an at-fault accident.
    • Property damage liability coverage pays for the damage you cause to another’s vehicle or other property (like a fence, pole or building) in an at-fault accident.

    Sometimes required by law

    • Uninsured and underinsured motorist coverage pay for injury and damage caused by a driver who either lacks sufficient coverage or lacks any coverage at all. The Insurance Research Council’s latest study indicated one in eight U.S. drivers was uninsured in 2019.
    • Personal injury protection (PIP), also known as no-fault insurance and offered only in certain states, pays for medical expenses you and your passengers incur following an accident, regardless of fault. It also accounts for non-medical expenses incurred as a result of an accident, such as lost wages or the cost of childcare. PIP is typically required in no-fault states.
    • MedPay is similar to PIP insurance coverage but includes only payments for medical expenses. It is required in some states and optional in others.

    Required if you have a loan or lease
    If you finance or lease your car, your financial institution will likely require that you have a “full coverage” policy, which includes the following coverage types and adds coverage for damage to your vehicle:

    • Collision coverage pays for damages to your vehicle caused by a collision. If you collide with another car, a tree, a pole, a building or a pedestrian, your collision coverage is the part of the policy that will pay for the damage to your vehicle.
    • Comprehensive coverage pays for damage to your car caused by non-collision losses like theft, vandalism and storm damage. Comprehensive also pays for damages caused by hitting an animal and cracked windshields. According to the Triple-I, approximately 80% of drivers carry this optional coverage.

    However, there are more types of car insurancecoverage available to you that may be worth discussing with your insurer. Additionally, each state has its own car insurance laws and each driver has a unique situation. Talking with a licensed agent can help you determine the best coverage types and limits for your needs.

    What are the different types of car insurance discounts?

    Finally, most major auto insurers offer the following car insurance discounts that might help you lower your premium:

    • Multi-policy, sometimes called multi-line or bundling, could earn you a discount on each policy you insure with the same company. This discount is common for insuring both a home and auto policy but is also sometimes offered for having other policies as well, like renters insurance, pet insurance or life insurance..
    • Multi-car discount could save you money if you insure more than one vehicle on the same policy.
    • Claims-free is commonly offered if you do not have any losses on your driving record for three to five years.
    • Good student discount is usually available for full-time students under the age of 25 who have a certain grade point average or letter-grade average.
    • Telematics programs are becoming more common with many car insurance companies. These usage-based insurance programs track your driving patterns with a mobile app or plug-in device. The safer you drive, the more you might save.

    Car insurance is more than just a required purchase in most states; it’s a safety net to protect your finances from unexpected vehicle accidents. Car insurance rates are rising in 2022, which means that many drivers may be shopping around to find a new policy. we analyzed average quoted premiums from Quadrant Information Services from hundreds of insurance companies. We also analyzed available coverage options, discounts, digital resources and third-party customer satisfaction and financial strength ratings in our quest to find the best car insurance companies.

    Top auto insurance companies in 2022

    • USAA: Best overall car insurance company
    • Clearcover: Best for digital presence
    • Geico: Best for high-risk drivers
    • State Farm: Best overall car insurance company
    • Travelers: Best for budget drivers
    • Erie: Best for robust coverage
    • Auto-Owners: Best for discounts
    • Amica: Best for claims satisfaction
    • Nationwide: Best for personalized coverage
    • Progressive: Best for digital policy management
    • Allstate: Best for high-value cars

    How to compare the best car insurance companies

    When reviewing multiple auto insurance companies, using an apples-to-apples comparison can be helpful. Knowing how to find companies that could meet your needs and how to compare those companies can be an important skill to have. While an average annual premium estimate may be a good initial indicator of how a company will stack up against others, it doesn’t provide the full story. Quotes should ideally include the same coverage levels and types, with the same personal details and vehicle information given to each company. Depending on your preferences, you may also want to review trusted third-party ratings for an additional assessment of a company’s performance, such as J.D. Power customer satisfaction ratings, the National Association of Insurance Commissioners (NAIC) consumer complaint index and financial strength grades from multiple credit rating agencies. This information can be found online, or an insurance agent can help you obtain this type of information about the auto insurers you are interested in.

    How Can I Find the Best Price on Car Insurance?

    Once you decide how much car insurance you need, it’s time to start shopping for a policy. Rates often vary widely among companies for the exact same coverage, so it’s smart to compare car insurance quotes from multiple insurers. For example, in California, rates for a good driver range from $1,668 (Wawanesa) to $3,940 (The Hartford)—a range of about $2,270 for the exact same driver.

    If you don’t shop around you won’t know if your rates are on the high end. You can find free quotes online or by working with an auto insurance agent. Independent insurance agents can provide quotes from multiple companies.

    Insurance quotes are always free.

    What Types of Car Insurance Discounts Should I Look For?

    Ask about car insurance discounts when you’re getting car insurance quotes. You can typically knock down your car insurance costs with discounts for:

    • By bundling” multiple insurance policies from the same company, such as auto and home insurance.
    • Insuring more than one vehicle with the same company.
    • Qualifying for a good driver discount.
    • If you have a student on the policy, getting a discount if they’re a good student
    • If you have a college student on the policy, snagging a discount if they’re away at school without a car (usually must be at least 100 miles away).
    • Taking a defensive driving class if you are age 55 or older.
    • Paying your car insurance bill in full for the term rather than monthly.

    What Types of Car Insurance Are Required?

    Here are types of car insurance that are generally required by states.

    Liability insurance: Required in most states. Car liability insurance pays for injuries and property damage you cause to others. A good rule of thumb is to buy enough liability insurance to cover what can be taken from you in a lawsuit.

    Uninsured motorist coverage (UM): Mandatory in some states and optional in others. Uninsured motorist insurance pays for you and your passengers’ medical bills and other expenses if someone crashes into you and they don’t have any liability insurance. A related coverage, underinsured motorist coverage, helps with you and your passengers’ medical bills when a driver with insufficient coverage causes an accident resulting in injuries.

    Collision and comprehensive insurance: Required if you have a car loan or lease. These are two separate coverage types often sold together. Collision and comprehensive insurance pay for your vehicle repair bills due to problems such as car accidents, car theft, fires, floods, severe weather, falling objects, vandalism and collisions with animals.

    Personal injury protection: Required in some states. Some states use a no-fault car insurance system. In these states you’ll make smaller injury claims on your own auto insurance no matter who was to blame. These claims fall under personal injury protection, which is required in no-fault states and available in some others.

    Other Types of Auto Insurance to Consider

    Sometimes getting the best car insurance means adding extra coverage in order to get more protection or guard against unexpected out-of-pocket expenses. Here are some other auto insurance types to consider.

    Accident forgiveness. Raising your car insurance rates after you cause an accident is standard operating procedure for car insurance companies. If you get accident forgiveness” coverage from your insurer, you can escape a rate increase after your first at-fault accident. Some insurers go a step further and also “forgive” a moving violation, such as a speeding ticket.

    Gap insurance. Do you have a large car loan balance or lease? If your car is totaled, the insurance payout for the vehicle could be much less than your balance. Gap insurance pays the difference.

    New car replacement. If you’re the unlikely driver who totals your new car, this coverage can help. It will pay to replace your car with a similar new car, rather than compensating you only for the depreciated value of your car. New car replacement coverage rules can vary among insurers for what qualifies as a “new” car so check the details.

    Pay-per-mile insurance. If you drive very little, pay-per-mile auto insurance could be a good bet for you. Part of your premium hinges on exactly how many miles you drive each month. The other part, called the base rate, doesn’t change from month to month.

    SR-22 insurance. An SR-22 is definitely not something you want, but you may need an insurer that provides it. Your state could require you to obtain an SR-22 form to prove that you have auto insurance. Your insurance company needs to send this form to the state to verify you have coverage, but not all insurers perform this service. You might end up with an SR-22 requirement if, for example, you rack up a lot of moving violations or you cause an accident while driving uninsured.

    Usage-based insurance. This type of policy has the potential to reduce your car insurance bill if you’re a really good driver. This typically means no speeding, hard braking, hard cornering and other factors. Usage-based insurance (UBI) programs use either an app or a device that plugs into your car to track your driving habits.

    But don’t count on savings from usage-based insurance. Less than half (48%) of drivers who opt into a usage-based insurance program actually see savings, according to TransUnion’s 2022 Insurance Trends and Outlook Report. Premiums stayed the same for 30% of drivers using UBI.

    Vanishing deductibles. If you have a collision or comprehensive insurance claim, your insurance check will be reduced by your deductible. Some auto insurers take the sting out of deductibles by offering a vanishing deductible. Generally this means a set reduction (such as $100) for every year you don’t make a claim.

    Factors That Impact the Cost of Car Insurance

    Your car insurance cost will vary depending on several factors that include:

    • Your driving record
    • Your age and driving experience
    • Where you live
    • Coverage selections
    • Deductible amount (if you buy collision and comprehensive coverage)
    • Vehicle model
    • Your car insurance history
    • Your credit-based insurance score (use of this in car insurance costs is banned in California, Hawaii, Massachusetts and Michigan)

    The Insiders’ View of Car Insurance Claims

    If you’re lucky, you’ll have very little experience with collision repairs. That also means you won’t necessarily know if you’re getting superior claims service compared to other insurers.

    Collision repair professionals have the advantage of dealing with insurers daily and seeing which companies try to cut corners on claims, and which companies have processes that slow down the repair process.

    For this reason we incorporated grades of insurance companies from collision repair professionals, supplied by CRASH Network.

    “Drivers pay their auto insurance premiums every month, yet they only find out how well that insurer will take care of them when they file a claim—which happens about once a decade for the average driver,” says John Yoswick, editor of CRASH Network, which has a weekly newsletter covering the collision repair and auto insurance market segments.

    “But auto body repair shops see every day which insurance companies prioritize cost-savings by pushing to use the cheapest parts and repair methods, and which insurers take better care of their policyholders by prioritizing repair quality and the use of automaker-recommended repair methods and parts,” he says.

    CRASH Network produces an annual Insurer Report Card that gives insight into insurers’ claims processes that others don’t see. Auto body repair professionals across the country are asked, “How well does this company’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists?”

    “This knowledge gives body shops a unique perspective on which insurance companies consistently earn an ‘A’ when it comes to customer service and a proper repair for their policyholders, and which insurers deserve a ‘C’ or ‘D,’” says Yoswick.

    Among 75 insurers scored by CRASH Network, only North Carolina Farm Bureau, Chubb, Erie and Michigan Farm Bureau received grades in the “A” range.