Car accidents can cause a wide variety of injuries, from minor bumps and bruises to severe spinal cord damage and traumatic brain injuries. Of all of these damaging injuries, one of the most reoccurring in car accidents is whiplash injuries. Whiplash, while not as damaging as the spinal cord or brain damage can be incredibly painful, and can leave a victim with chronic pain for an extended period. Fortunately, insurance companies like Fred Loya Insurance can help victims recover from their damages through car accident whiplash injury claims. These claims, offer monetary payouts to policyholders to pay for things like medical expenses, and any property damage the accident caused. However, many Fred Loya policyholders are left in the dark as to how much their Fred Loya insurance plan pays for a whiplash injury after a car accident. Fortunately, our experienced lawyers at Normandie Law Firm can guide you through the process of estimating a potential offer amount. Our top team of Los Angeles attorneys with experience in Fred Loya Insurance cases can also help you sue Fred Loya Insurance if they fail to provide adequate compensation for your damages. If you have any questions after reading this article, please feel free to reach out to our Los Angeles law firm for a free consultation by one of our skilled lawyers with experience handling Fred Loya Insurance claims.
Fred Loya Insurance
Fred Loya Insurance Company is based out of Texas and has 361 separate agencies scatter across the country in states like Alabama, California, Arizona, Colorado, Georgia, Illinois, Indiana, Missouri, New Mexico, Nevada, and Ohio. Founded in 1974, the company has grown to become the 18th largest Latino-owned company in the United States. Fred Loya locations are typically placed in shopping centers, grocery stores, on street corners, and in office buildings. Listed below are some of the grocery store chains that you might find one of their offices in:
- Wal-Mart Super Stores
- Fiesta Marts
- Big 8 Food Source Stores
- Liborio Supermarkets
- Fiesta Whole Foods
- Superior
- Cardenas
Fred Loya Insurance Company provides a broad range of insurance products for their customers. As well as providing coverage for auto accidents, they have insurance plans that cover bicycle accidents, pedestrian accidents, wrongful death accidents, truck accidents, motorcycle accidents and even boating accidents. While Fred Loya may appear to be a smaller insurance company with your best interest in mind, there is no guarantee that their first offer is going to be a suitable one. Insurance companies, regardless of the size, are known to pay as little as possible to compensate their policyholders for their damages; and Fred Loya is no different. The damages caused by car accidents can go beyond just whiplash injuries. On top of the physical therapy and medications that may be needed for a whiplash injury, there is also the financial burden caused by the damage inflicted upon your vehicle. For this reason, it is highly recommended that you seek representation from an experienced attorney that handles cases regarding Fred Loya whiplash claims.
Whiplash Injuries
Whiplash injuries are caused by strong and sudden force to the head and neck. For a whiplash injury to occur, the had must be violently forced forward and backward. This extreme force puts a tremendous amount of stress on the already sensitive cervical spine, and can in some cases result in more permanent nerve damage. While whiplash injuries occur more often from auto accidents, they can also arise after truck accidents, slip and fall accidents, bungee jumping, motorcycle accidents, sports accidents, rollercoasters, or any other accident that causes the head and neck significant and sudden stress. Symptoms of whiplash tend to arise as stiffness in the neck, a reduced range of motion in the neck, neck instability, shoulder pain, upper back pain, and headaches. There is also a chronic pain that arises with most whiplash injuries. This pain can range from a mild ache to an excruciating pins-and-needles pain. While it is always recommended that you see a doctor after a violent car accident, you can often treat whiplash at home with some of the following remedies:
- Ice the neck: To reduce pain and swelling, ice the neck as soon as you can after the injury. It is recommended that you ice the neck for 15 minutes every 3-4 hours for 2-3 days. You should also wrap the ice in a thin towel or cloth as to prevent direct contact with the skin.
- Painkilling medication: In some cases, a doctor or physician will recommend non-steroidal anti-inflammatory drugs, like ibuprofen, or naproxen. These drugs can help with pain and swelling. However, they may have side effects. For this reason, it is incredibly important that you consult a doctor or trained medical professional to get a full gauge on what you can and can take for your whiplash injury pains.
- Neck brace or collar: A doctor may recommend that you use a neck brace or collar. This is to stabilize the neck so that it can properly heal.
- Apply moist heat to the neck: A doctor may also recommend that you apply heat to the neck after the initial swelling has gone down. You can use warm, wet towels, or take a warm bath. However, it is important to note that this should only be done after 2-3 days of icing the pained area.
As mentioned prior, most whiplash injuries can be treated at home. However, there are some instances where the damages from a whiplash injury are so severe that more experienced medical attention is needed. In some cases, advanced painkiller medication may be needed, and in other cases, victims may have to visit a physical therapist to regain full motion in the neck. These medical visits place a heavy financial burden on car accident victims. For this reason, Fred Loya policyholders are usually always curious about how much they can receive for their whiplash injury Fred Loya insurance settlements. An accomplished lawyer experienced in Fred Loya Insurance cases can help give you an estimate.
How Much Does Fred Loya Insurance Pay For A Whiplash Injury After A Car Accident?
When clients with whiplash injury cases come into our law firm seeking representation for their Fred Loya whiplash injury claim, they often ask our attorneys a wide variety of questions regarding average compensation values. These questions range from queries about average Fred Loya Insurance settlements and settlement calculators to questions regarding how long it takes to receive a settlement from Fred Loya. While most of these questions can be answered in detail by an expert attorney who has experience in Fred Loya Insurance cases, there are some basic things to understand when moving forward with seeking assistance for your whiplash injury claim.
For starters, how much you can receive for your Fred Loya injury settlement depends on the damages that you endured. For example, a policyholder who received severe whiplash injuries and property damage after a truck accident is almost always going to receive a higher settlement than someone who received minor whiplash injuries after a low impact rear-end collision. This is why finding an average settlement amount can be somewhat challenging. While our attorneys could calculate a potential average, there is no guarantee that this average would apply to your case as there is a wide range of variances involved in calculating the value of each case. This is also a reason why having a settlement calculator would do our clients a disservice. While we could reach estimates, and develop a settlement calculator, there is no universal value for damages, and as such any solution you reached through a settlement calculator wouldn’t be accurate.
Questions regarding how long it takes to receive a settlement amount are, fortunately, more concrete. There are state laws that dictate how long an insurance company has to comply and fulfill claims to their policyholders. For instance, California State law states that the insurance company must acknowledge receipt of all claims within 15 days of them being filed. The insurance company must then either accept or deny the claim within 40 days after receiving proof of the claim. If the insurance company accepts the claim, the claim must then be paid out within 30 days from the date the settlement was reached.
How much Fred Loya insurance may offer, you also depend on the kind of insurance plan you own. For instance, victims of a truck accident aren’t always going to receive adequate compensation for their damages if they only have bicycle accident insurance. For this reason, it is important to be clear about what kind of insurance product you’ve purchased through Fred Loya. If you have the right insurance plan, your damages qualify under this plan, and the Fred Loya insurance claims adjuster fails to provide suitable compensation for your damages you can file a lawsuit against the insurance company. However, when taking on large insurance companies like Fred Loya, it is always in your best interest to seek the assistance of a skilled attorney with a wealth of experience in taking on insurance claims adjusters and large insurance companies. Having qualified attorney on your side can mean the difference between a fulfilling claim for compensation and having your case denied by an insurance claim adjuster.
How Normandie Law Firm Can Help
Insurance companies like Fred Loya Insurance may appear to have your best interest in mind, however, are still businesses and will try and pay as little as possible in insurance settlements. For this reason, it is incredibly important to have a skilled attorney on your side to advise you during the process, and to offer representation if you need to dispute your first offer. At Normandie Law Firm our experienced attorneys can guide you through the process of earning the compensation you deserve for your damages. Our attorneys have a history of representing the victims of a wide variety of personal injury cases, whiplash injuries included. Those who file a claim through our law firm could find some, if not all of the following damages compensable to them:
- Past and Future Medical Bills
- Loss of Wages
- Loss of Potential Future Wages
- Pain and Suffering
- Emotional Distress (depression, anxiety, PTSD, etc…)
- Punitive Damages
Victims of whiplash injuries caused by auto accidents that are seeking proper compensation for their damages through their Infinity Insurance coverage plan can contact our law offices to receive further information. While our attorneys are based in Los Angeles, they also practice in San Diego, Orange County, Riverside, Bakersfield, San Francisco, Fresno, Sacramento and throughout the state of California.
Free Second Opinions
Other attorneys will sign you up to their firm but will disappear once your name is on the paper as they are busy signing up more cases. In these instances, their business is based more on volume and will attempt to sign up as many cases as possible. In turn, they will spend less time on cases resulting in severely reduced settlements. Our firm will not treat you like a number. We will be in communication with you throughout our lawsuit and will treat you like family. So if you already have an attorney don’t worry, we’ll give you a second review of your case 100% free of charge.
Zero Fee Guarantee-No Upfront Fees Ever
If you contact our top-rated law offices today, we can walk you through the complicated process of filing your claim completely free of charge. As a show this commitment to you and your case we offer our clients the benefits of a zero fee guarantee policy. Under our zero fee policy, all clients don’t pay for our services until their case is won. If you feel in need of a second opinion, second opinion case reviews are also free under this policy. Please, feel free to give us a call, and an attorney with expertise in Fred Loya Insurnace injury lawsuits can guide you down the path of receiving proper compensation for your damages.
