Accidents and insurance companies wanting a recorded statement from you.

Question: What is a recorded statement and why am I being asked to give one?

Answer: A recorded statement happens when typically, the insurance company for the person who caused the accident calls you immediately after an accident to ask you questions and record everything you say. The answers you give in that recorded statement can harm your case. Call Campano Law Group, at 661-945-5300, a law firm experienced with insurance companies, for FREE consultations to help with your accident. Or email us at acampano@campanolaw.com.

Question: I am selling my car and the person who is buying it from me got in an accident. Am I fault for the accident even though I am selling my car and the guy buying it got into the accident?

Answer: If the sale/transfer of title has not been completed with the DMV, you can still be considered the owner at fault for the accident. See California Vehicle Code 17150, 17151

For more information about car accidents, call Attorney Angelo F. Campano at 661-945-5300; acampano@campanolaw.com

f your car, motorcycle, business or home was damaged in the floods/mudslides, these are some insurance companies to contact for help pay to replace or repair your loss. (Attorney Angelo F. Campano / Tel: 661-945-5300)

Allstate
https://www.allstate.com/claims
1-800-255-7828

AAA
http://autoclubsouth.aaa.com/insurance
18006725246

Farmers Insurance
https://www.hpcs.com/eClaims
800-435-7764

Nationwide
http://www.nationwide.com/homeowners
800-421-3535

GEICO
https://www.geico.com/getaquote/homeowners
800-841-2964

Liberty mutual
https://www.libertymutual.com/claims-in…/report-track-claims
1-800-2claims

Metlife
800-854-6011
https://www.metlife.com/individual/insurance/home-insurance

USAA
https://www.usaa.com/inet/pages/insurance/claims
1-800-531-USAA

State Farm
https://www.statefarm.com/claims/file-a-claim
800-782-8332

Esurance
https://www.esurance.com/insurance/homeowners/claims
866-439-5633
800-378-7262

What it means to make a claim with insurance.
(Attorney Angelo F. Campano/CAMPANO LAW GROUP)

Your car or motorcycle is damaged in an accident. Your house is damaged by fire, etc. What to do to get it fixed/repaired? You need to “make a claim” with the insurance company that you pay to in the event you need your car/house fixed after an accident.

First, call your insurance company. Second, ask to open a new claim. Third, a person from the insurance company should then talk to you, over the phone, and ask you basic questions about the accident. Questions like when it happened, how it happened and where it happened. At the end of the conversation you should get a claim number. This is the reference number the insurance company uses to keep track of your claim. Fourth, the insurance company will then make arrangements to have your car/house inspected. The insurance company will send a field adjuster to write up a repair estimate. If your car is drivable, your insurance company may ask you to come their field office for the estimate. Lastly, if the damage is covered, the insurance company will pay for the repairs. For more information contact acampano@campanolaw.com / tel: 661-945-5300.

My car/motorcycle is a “total loss”. What does that mean and what happens now?

After an accident your car/motorcycle is damaged. You want it fixed. You called the insurance company and they did an estimate. You find out that the insurance company has determined it to be a “total loss”. That phrase means that the insurance company has inspected the motorcycle/car, prepared a repair estimate, and now the cost to repair the motorcycle/car is more than it’s worth if you were to sell it. So, the insurance company decided that it is not worth it to fix the motorcycle/car. What happens then? A couple things can happen.

First, the insurance company can send you a check for the value of your car/motorcycle. And, for that check, you give the motorcycle/car over to the insurance company. Or, a second option is that you keep your car/motorcycle, still get a check, but for less money because you decided to keep the car/motorcycle. There are other options, but these two are the most common. (acampano@campanolaw.com; tel: 661-945-5300)