Insurance Claims

Every injury claim eventually runs through an insurance company — and the insurance company’s business model depends on paying you less than your claim is worth. Delayed responses, requests for endless documentation, recorded statements engineered to create inconsistencies, quick lowball offers before you know how badly you’re hurt: these are not bureaucratic accidents. They are tactics. Miracle Law APC was built to counter them. Founder Tamar Miot spent years as an insurance defense attorney, and our firm handles insurance claims across Los Angeles and the Inland Empire with an insider’s understanding of exactly how carriers evaluate, delay, and deny.

The Insurance Claims We Handle

• Third-party injury claims — against the at-fault driver’s insurer after car accidents, truck accidents, and motorcycle accidents
• Uninsured/underinsured motorist (UM/UIM) claims — against your own policy when the at-fault driver has little or no coverage
• Denied or delayed claims — where the insurer disputes liability, causation, or the necessity of your treatment
• Lowball settlement disputes — offers that ignore future treatment, lost earning capacity, and pain and suffering
• Bad faith insurance claims — when an insurer’s conduct crosses from hard bargaining into unlawful claim handling

Why Claims Get Denied and Underpaid

Adjusters are trained to find leverage. The most common pressure points we see:

1. Recorded statements — casual questions designed to lock you into damaging answers (“I’m fine” becomes Exhibit A)
2. Treatment gaps — any delay in care gets reframed as proof you weren’t really hurt
3. Pre-existing conditions — old injuries blamed for new symptoms
4. Comparative fault inflation — California’s pure comparative negligence rule reduces recovery by your share of fault, so insurers inflate that share; see our guide to comparative negligence in California
5. The waiting game — dragging out the process, hoping bills pressure you into a discounted settlement

Our advice on handling insurance adjusters is simple: be polite, give nothing, and route every communication through your lawyer.

Your Own Insurer Is Not Automatically on Your Side

UM/UIM claims surprise people. You paid the premiums; surely your own carrier will treat you fairly? In practice, your insurer becomes your negotiating adversary the moment you file — same tactics, familiar logo. With the Insurance Research Council estimating that roughly one in six California drivers carries no insurance, UM/UIM coverage is often the only meaningful source of recovery after a hit-and-run or an uninsured-driver crash. We explain why this coverage matters so much in our guide to uninsured motorist coverage in California.

The good news: California law imposes a duty of good faith and fair dealing on insurers. When a carrier unreasonably denies or delays a valid claim, it can be liable for bad faith — opening the door to damages beyond the policy limits.

Deadlines That Quietly Kill Claims

Most California injury claims must be filed in court within two years (CCP § 335.1). Claims involving public entities can require a government claim within six months. UM claims have their own contractual deadlines buried in your policy, and property damage claims run on a different clock. Insurers know these dates precisely and will happily let you miss them. Learn more in our overview of the statute of limitations for California personal injury claims.

How Miracle Law Changes the Negotiation

Once we take your case, the dynamic flips: the adjuster deals with a law firm that knows the carrier’s internal evaluation software, reserve-setting habits, and settlement authority levels — because our founder used to work that side. We document damages the way defense attorneys can’t dismiss, and we prepare every file for litigation, which is what actually moves settlement numbers. Our results include a $1.1 million car accident recovery and a $3.85 million truck accident recovery; past results don’t guarantee future outcomes.

What to Bring to Your Free Case Review

The more we can see, the more precisely we can value your claim. Helpful items include: the police or incident report number, photos of the scene and your injuries, your insurance policy’s declarations page (so we can check UM/UIM and med-pay coverage), any letters or emails from adjusters, medical records and bills you have so far, and notes on missed work. Don’t worry if you’re missing pieces — we can obtain records directly — but never send originals to an insurance company without keeping copies.

Get a Free Case Review Before You Sign Anything

A signed release is forever. Before you accept any insurance offer — or give any recorded statement — talk to us. The consultation is free, we answer 24/7, and there’s no fee unless we win. Call (888) 843-5290 or contact us online today. Hablamos Español.