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San Jose personal injury attorneyWhen you have been hurt in a car accident, you may be facing a myriad of challenges, including recovering from your injuries, getting back to work, and generally dealing with the aftermath of the crash. Unfortunately, things can become even more difficult when the insurance companies get involved.

While insurance coverage is a consideration in virtually every car accident, it is not uncommon for carriers to offer much less than you would need to start putting your life back together properly. Insurance companies are well-known for their “lowball” settlement offers that seek to minimize their payouts and avoid costly litigation.

Protecting Yourself from Insurance Companies

If you were injured in a crash and are in the process of negotiating with an adjuster—either from your own insurer or that of the party who caused your accident—it is important to keep in mind that:

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A man who was bitten by a Lodi, California, Police Department K-9 during a 2010 arrest reached a settlement agreement with the city last week. He's being paid $197,000 in addition to $25,000 in medical costs.

The 28-year-old man admits to being combative and under the influence of drugs when he was arrested. But he was already in handcuffs and subdued by police when Bronx the police dog attacked and bit him in the face. The dog was not ordered to attack or bite the man, who was under arrest and facedown when he was bitten. Although he could have behaved better, the man's attorney said, his client didn't deserve the disfiguring dog bite.

The man said after the incident that the bite resulted in numbness and tingling around his mouth, as well as a permanent scar from his nose to his neck. He also reports having constant anxiety any time he's around a police officer or large dog.

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An accident at a Southern California coffee shop four years ago continues to serve as a reminder that life can change dramatically in the time it takes a barista to whip up your morning latte. All it takes is a serious slip and fall.

That's what happened to a chiropractor who visited a Starbucks store in March 2008. He was picking up his order when he slipped on a floor that had just been mopped, according to his lawyer. Although the manager of the coffee shop testified she put out three cones warning customers that the floor was wet, witnesses claimed to have seen only one.

After the fall, the chiropractor said he suffered from persistent head pain, nausea and a concussion, among other symptoms. He was later diagnosed with mild brain trauma and told he would need a year of therapy for his brain injury. The man, who said he has been unable to return to work since the accident, sued Starbucks for loss of income, medical expenses and the loss of enjoyment of life.

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Across the state of California, there are a number of different amusement parks that boast different themes to attract families from all over the country. Young and old alike can find something they enjoy at the parks, whether it is a thrilling rollercoaster or a relaxing water ride.

But an enjoyable trip can be cut short if an amusement park accident occurs. Instead of finishing the day with a family dinner, parents may find themselves rushing to the hospital because their child sustained a serious injury. Nearly two years ago, a family was visiting Knott's Berry Farm when a cable snapped on a rollercoaster, injuring the son. Earlier this week, the amusement park reached a settlement with the victim for the 2009 incident.

Amusement park accidents can occur for several reasons. One of the reasons why something can break or go wrong on a roller coaster is if there was poor maintenance. After the incident, the California division of Occupational Safety and Health investigated the accident to determine what could have caused the cable to snap while the ride was in operation. Their final report was that the manufacturer did not properly maintain the ride, contributing to the accident.

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No matter how the death occurs, losing a loved one is devastating. And in the midst of trying to process through the grief and pain, a number of other issues can arise such as medical and funeral expenses. Finances can put a strain on anyone, especially in the wake of a death.

But for families who have lost a loved one, filing a wrongful death lawsuit can help compensate for a number of things, including medical expenses. If the death was the result of someone else's negligence, recklessness, or even criminal act, that individual or entity may be liable for the death. Often people think of fatal accidents when they think of a wrongful death claim. But there are other situations where a family can file this type of civil lawsuit.

A trial just recently came to a close involving the death of a California man and the tobacco company giant Philip Morris. The man died in 2002, leaving behind a 10-year-old son who has been dealing with the loss of his father since that day.

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This past fall, a young teacher was killed after a school bus crashed into her vehicle. According to the article, the bus driver had not been paying attention. Traffic had come to a halt and the bus driver slammed on the breaks when she finally noticed the cars in front of her. But her reaction was too late and the accident resulted.

The young teacher was seriously injured in the crash and was transported to a nearby hospital. Unfortunately, her injuries were so severe that she died 10 days after the crash. A month after the crash, the young teacher's family sued the bus driver and school district for wrongful death. Just recently, a settlement was reached.

The teacher's husband and daughter received a multi-million dollar settlement for the loss of their loved one. Other members of the teacher's family were also awarded monetary compensation.

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If you ask anyone who has lost a loved one, they will tell you that no amount of money will replace that individual. The mother of a young man who was killed by a BART police officer in 2009 would tell you the same thing.

Just recently, the wrongful death lawsuit she filed against the transit agency was settled and the young man's family was awarded a multi-million dollar settlement, in addition to a settlement awarded to the young man's daughter last year. But even though a settlement was reached, the transit agency has not admitted to any type of liability in the situation.

The incident occurred on the first of the year. Though details are sparse in this article, it appears that the BART police officer, who has since then been relieved of his duties, responded to a fight on a BART train that had been reported. The young man had been there and the officer attempted to Taser the young man.

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