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Oakland Personal Injury > Blog > Car Accident > 4 Questions Insurance Companies Ask After an Oakland Car Accident

4 Questions Insurance Companies Ask After an Oakland Car Accident


If you were injured in a car accident in California, you might already know that you need to file a claim with the responsible motorist’s insurance company to recover monetary damages. The California Department of Motor Vehicles (DMV) has established regulations regarding minimum auto insurance requirements to protect victims like you who face devastating losses as a result of getting hurt.

Within a few days after the crash, you can expect a call from the insurance adjuster for the other driver assigned to your claim. It might seem like this person just wants some basic information about the incident, so you probably see no problem answering a few questions.

However, you need to realize the real motivation behind this conversation with the adjuster: Digging for information and reasons to deny your claim. You should always allow your Oakland car accident lawyer to handle this conversation, but you need to be aware of some questions you might face.

  1. Who do you think caused the collision? The insurance adjuster is looking to deny your claim and is hoping that you say something that they can later misconstrue as an admission of fault on your part. The insurance company only has to pay for losses caused by its policyholder so they will use every tool at their disposal to blame the accident on you. The other driver’s insurer is trying to manufacture grounds to reject your claim or pay out a lower amount.
  1. What were you doing just before the accident? This question is a more subtle variation of #1 above, because the insurer is trying to make a case that you were not exercising reasonable care behind the wheel. The adjuster will try to seize on any stray comment you make to justify a denial. Another inquiry to be cautious of is where you were coming from or going when the collision occurred. The adjuster might be trying to show that you were in a hurry.
  1. When did you seek medical care? Because your injuries are an important component of your claim, the insurer will want to downplay the severity and nature of your injuries. If you respond that you delayed seeing a doctor, the insurance company will wrongfully assume and later argue that you weren’t hurt very badly. If you have been injured in a car accident, it is best to seek treatment the same day, or in the next few days.

 Can you describe your injuries? Beware of this question. You are likely to leave some injuries out of the conversation, you may not know the full severity of your injuries, or the insurance adjuster may catch you on better day when you are hurting less. You should treat with a health care professional, tell them about all of your symptoms, and let them diagnose and record your problems. The most appropriate response to the insurance adjuster is to say that you’re still being treated by a physician.

Consult with an Oakland Car Accident Attorney First 

When you have skilled legal representation, you won’t have to worry about being tricked by the insurance adjuster or having your words twisted. You can count on our Oakland car accident attorneys at Venardi Zurada, LLP to take the lead on all conversations with the insurance company, from filing the initial claim to negotiating fair, reasonable settlement. For more information on how we can assist with the claims process, please contact our firm to schedule a no-cost consultation at our offices.




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You can be confident in relying on our zealous and effective Oakland personal injury lawyers:

  • We have served Northern California for over 35 years.

  • Our attorneys have been honored with numerous accolades, including SuperLawyers, AV Rating, and Top 100 Trial Attorney Awards.

  • In our decades of legal service to the community, we have garnered a substantial reputation. We are respected by opposing counsel, feared by insurance companies, and followed by jurors.

  • We combine Big Firm experience with boutique office attention and care. Several of our attorneys have experience working for the biggest law firms in the country, including the most prominent maritime defense law firm. Our attorneys rely on that big-firm know-how but prefer the personal touch of a smaller firm, allowing us to provide individualized and attentive representation to each of our clients.

  • We’ve been through it, too. Attorney Mark Venardi had to personally deal with a medical malpractice injury he suffered at a time when he was working a blue-collar job on an offshore oil rig; he knows what it’s like to be a working man dealing with a personal injury. He built his way up to working for the biggest maritime defense firm in the country, before deciding to focus on helping people like himself who were hurt by negligence and mistreatment from others.

  • We like to fight for the underdog. Attorney Martin Zurada is an immigrant and the son of immigrants who tirelessly worked his way up through education and experience to attain the American dream. Even though he has served in large, high-level litigation law firms, he prefers helping clients directly, fighting against injustices, and securing victories for the little guy who has been wronged.

  • We win. We have secured multi-million dollar verdicts and settlements. In our combined tenure, we have recovered tens of millions of dollars for our clients across our broad areas of practice.

  • We care first and foremost about our clients. We dedicate ourselves to serve each and every client personally, and we make ourselves available to our clients around the clock.

  • There is no cost to you until we win. If we don’t make a recovery for you, we will not collect a fee. And all initial consultations are free of charge.

Dedicated Areas of Practice

We offer a wide range of litigation services for Oakland personal injury and employment law clients. Specifically, our areas of dedicated practice span the following issues:

Employment Law. California employers must assure proper pay to employees and comply with a variety of rules and regulations to prevent discrimination and unfair treatment of employees. We represent victims of wage and hour violations, employment discrimination, workplace harassment, retaliation, wrongful termination, and any other form of California workplace mistreatment. If you believe you were treated inappropriately at work, we can help.

Personal Injury. If you’ve been injured due to another’s negligence, you deserve compensation. That’s where we come in. As Oakland personal injury attorneys, we right the wrongs done to our clients. And we do it at our cost during the entire duration of your case. There is never any fee until we win. Give us a call if you have been hurt in a car accident, by a toxic spill or contamination, as a result of medical malpractice, due to abuse or neglect, in a maritime accident, by a vicious animal attack, or any other incident caused by someone else’s negligence.

The Sooner You Speak to an Oakland Injury Lawyer, the Stronger Your Chances for Recovery Will Become.

Contact the Oakland injury lawyers at Venardi Zurada today, and let’s get started. We are available to talk any time, so whether you call, email or chat online, we’ll respond and set up an appointment to meet you. We have several Spanish speakers in the office and welcome the opportunity to cater our services to Oakland’s Spanish-speaking population. You pay no fee until we win for you, so you have nothing to lose by contacting our office for a free consultation. The sooner you call, the faster we can start getting results for you. Call 925-937-3900.

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