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Vehicle Accidents

Protect Yourself With Underinsured Motorist Coverage

We fight for the rights of consumers, most often against insurance companies and their legions.  Isn’t it ironic that we are suggesting that you protect yourself and your loved ones by buying more insurance?

UIM policyIronic or not, unfortunately California has a high number of uninsured automobile drivers.  Some estimate it to be 25%!  Even if a driver is insured, most people have the minimum coverage, which pays no more than $15,000 to an injured person.  That’s often not enough to cover the medical bills and wages lost due to an accident.  Sadly, we are often faced with the situation where an injured person is not adequately compensated because the driver at fault had no insurance or the minimum insurance.

You can protect yourself and your loved ones by making sure your automobile policy contains adequate uninsured and underinsured motorist coverage.  The coverage will pay if you suffer injuries worth more than the policy of the driver at fault.

How Underinsured Motorist Coverage and Uninsured Motorist Coverage Work

Your underinsured coverage only pays if you have coverage greater than the at-fault driver.  Let us explain by example:

Example 1:

Driver at fault has $15,000 of liability coverage.
Injured, innocent victim has $15,000 of uninsured/underinsured coverage.
Victim collects $15,000 from at-fault driver.  He can collect nothing from his own insurer, because he has the same limits as the driver at fault.

Example 2:

Driver at fault has $15,000 of liability coverage.
Injured, innocent victim has $100,000 of uninsured/underinsured coverage.
If injured, innocent victim collects $15,000 from at-fault driver, and he can collect up to $85,000 from his own insurer.

Protect Yourself

Protect yourself and your loved ones!  Make sure you have adequate uninsured and underinsured motorist coverage and, if you can afford it, make sure the limits will provide real protection to you and your family.  The added protection is relatively cheap.

To see what you have now, look for “UM” or “UIM” on your declarations page, and the amount next to it, such as $15,000/$30,000 or $100,000/$300,000.  The first dollar amount is the per person limit of your uninsured and underinsured motorist coverage.

If you are not sure how to read it, you can ask your agent or come in and ask us.  We would be happy to see you.

Civil Lawsuits in Personal Injury Cases

Torrance California Personal Injury Attorney

Outline of a Personal Injury Case

No two personal injury cases are alike, but most cases follow a similar path through litigation, including the following:

Complaint Filing and Service

Every case begins with the filing of a complaint with the court.  After the complaint is filed, it must be properly served on the defendant(s).

Response To Complaint

The defendant(s) usually have 30 days after service of the complaint to file an answer to the complaint, or to file a challenge to the sufficiency of the complaint.


Once the Complaint and Answer have been filed, both parties commence “discovery” to exchange evidence. Depending on the case, one or more of the following may be used by the parties:

  • Interrogatories: written questions which parties must answer in writing, under oath.
  • Demands For Production Of Documents:  formal requests for documents.
  • Requests For Admission: require the parties to say which allegations they affirm, and which they deny, and why.
  • Subpoenas For Documents: used to get documents from third parties, such as doctors, employers, and insurers.
  • Depositions: people are required to appear in person to answer questions under oath in front of a court reporter, who produces a transcript.
  • Defense Medical Exam: The plaintiff is examined by a doctor hired by the defense, who provides a report to all parties.

Trial Setting

The court will hold Case Management Conferences to determine when the case will be ready for trial. When the court concludes that a case will be ready for trial, it will set the trial date and various related deadlines concerning completion of discovery, mediation, and trial preparation.

Settlement Negotiations

Settlement negotiations can occur any time during the litigation.  The attorneys can discuss settlement on the phone, by email, by letter, etc.  Often the court will require the parties to participate in mediation, which is a settlement conference in a private setting, not in court.  Sometimes the court will set a “Mandatory Settlement Conference”, which is a settlement conference before a judge in the courthouse.

Settlement negotiations generally become more meaningful as the trial date approaches.  Only then are both sides’ “”cards on the table,” and both sides can fully assess their risks and weigh them against the potential benefits of trial.


The vast majority of cases settle before trial, once the hard work of preparation is done.  However, if the parties cannot settle the case, trial is available to resolve the case.


Types of Injuries

Civil Lawsuits for Accidents Related Injuries, Southern CA Lawyer, Torrance

The following are just a few of the types of injuries that result in accidents that victims may be entitled to receive compensation for in a civil lawsuit.  To view more types of injuries and accidents that we can assist you in recovering economic losses and damages for, visit “Types of Cases Handled.”


Losing a limb is a devastating physical change, and it is often difficult for victims to move forward.   Southern California personal injury attorney David S. Brown will work hard to get victims financial compensation for the physical and emotional elements of this loss.  David S. Brown works with medical and vocational experts to establish the victim’s entire loss.  Common amputations include loss of arms, legs, hands, feet, fingers, and toes.

Head Injury

Head injuries can be fatal, and many of their effects are often not discovered for years.  David S. Brown has extensive experience getting monetary compensation for head injury victims.  He works with medical experts to insure that the injury is correctly diagnosed and treated, and that full liability is established.

Head injuries include skull fractures, epidural hematoma (EDH), subdural hematoma (SDH), concussion diffuse axonal injury, cerebral contusion, closed head injury, open head injury, and traumatic brain injury.

More About Traumatic Brain Injuries

Back injury

Back injuries can have devastating and life-long consequences.  Proper medical diagnosis is crucial to limiting the physical damage.  David S. Brown works with medical experts, and will help you get the treatment you need.  Types of back injuries include slipped disks, herniated disks, bulging disks, sciatica, facet joint problems, and much more.

Blindness, Eye Injuries

Blindness is a devastating, life-changing injury.  David S. Brown will work hard to fully compensate victims for the physical and emotional harms from blindness and other eye injuries.

Free Consultation

If you, or someone you love has been injured in an accident, contact us for a free consultation.  Attorney David S. Brown will evaluate your case and advise you of any compensation you may be entitled to pursue in a civil lawsuit.


Car Accident Attorney, Los Angeles, Orange, San Bernardino, Riverside

Torrance Orange Los Angeles Riverside California Car Accident Attorney

What to Do If You Are in a Car Accident

In Los Angeles County, a traffic accident occurs every 6 seconds.  The reality is that if you drive in Los Angeles County, at some time you or someone you love will be in a car accident.

We hope that if you’re in an accident you escape unharmed, but we know that is often not the case.  Many car accidents result in serious and sometimes catastrophic injuries.  If you or someone you love is in a car accident, you need the best professional help you can get.  You need Brown, Brown & Brown.

Brown, Brown & Brown has a long history of representing the victims of car accidents.  We handle accidents in Los Angeles, Orange, San Bernardino, and Riverside counties.

What Should You Do if You’re In An Accident?

If you are involved in a car accident, the first thing to do is check to see if anyone is hurt.  Don’t waste valuable time if someone is hurt.  Call 911.  If possible, drive your car to the side of road.  Do not leave your car unless it is safe to do so.

Cautiously approach the other cars in the accident.  Check for injuries in the other car.  Call 911 if anyone is injured.  Stay calm.  Exchange names, driver’s license numbers, addresses, insurance policy information, and license plate numbers.  Do not admit fault.

It’s a good idea to take photographs of the cars involved and the accident scene.  Keep a disposable camera in your glove compartment for this purpose or use your cell phone.

Call the police to report the accident.

After The Accident – If You’re Hurt, See A Doctor

Often people don’t realize they’ve been hurt until some time after the accident.  Symptoms of injury may include headache, numbness, tingling, neck pain, back pain, stiffness, and soreness.  If you are experiencing any symptoms from the car accident, go to your medical doctor.  Only a medical doctor is appropriate to diagnose your injuries and prescribe proper treatment.  Follow your doctor’s advice.

Call Brown, Brown & Brown

Just like you need a doctor to take care of your physical injuries, you need Brown, Brown & Brown to take care of your legal rights.  We will see that you receive your rightful compensation for your injuries, your lost work, and your other damages.

After an accident, your job is to take care of yourself and get better. You can do that if you hire an experienced professional to handle your legal claim, such as Brown, Brown & Brown.

What you Shouldn’t Do

If you were hurt in accident that was caused by another driver, that driver’s insurance company may rush in to try to minimize your recovery.  Do not give a statement.  Do not settle your bodily injury claim without a lawyer.  The at fault driver‘s insurance company is not trying to settle with you for a fair amount.  It is trying to limit the amount you receive.  That is its duty to its shareholders.

Protect yourself and your loved ones by calling David S. Brown if you or a loved one is hurt in a car accident.  Make sure you receive what you deserve.

What Rights Do You Have In A Car Accident?

In California, every person is responsible for injuries caused by his or her failure to act reasonably.  This is called negligence.  In a car accident, a person is responsible for the accident if he or she failed to act reasonably.  For example, if a person is going too fast for the traffic and rear ends the car in front of him, that is negligence.  If a driver is distracted by his cell phone and runs a red light, that is negligence.   Make sure you receive what you deserve.


FAQs About Car Accidents

Torrance California Personal Injury Attorney

How to Handle an Automobile Accident

What information should I get if I’m in an auto accident?

After an accident, first find out if anyone is hurt and obtain the necessary emergency help by calling 911.  After emergency calls are made, try and get the following:

  • The names and addresses of all the drivers of all the cars involved in the accident.
  • The driver’s license numbers of all the drivers of all the cars involved in the accident.
  • The name of the insurance company and the insurance policy number of all the drivers of all the cars involved in the accident.
  • The names, addresses, and phone numbers of all witnesses.

Should I call the police?

Yes, call 911.  The police are trained to respond to emergencies and determine who caused the accident.

What should I do at the accident scene?

After emergency calls are made and information exchanged, look and listen.  Take photos of the cars so that the damage can be seen.  Take photos of the accident scene.  Listen to what people are saying about how the accident happened.

Should I go to the doctor?

Yes.  If you have any pain or discomfort, go to your doctor.  Often, complaints don’t begin until 12 to 24 hours after the accident.  Don’t just hope your pain will go away.  Go to your doctor and tell him or her you were in accident.  Report all your symptoms to ensure you get the right medical treatment.

Do exactly as your doctor says.  Follow all medical instructions.

If your condition required immediate care and you were taken to an emergency room, make sure you follow-up with your own physician and any appropriate specialist.

Should I give a statement to the other driver’s insurance company?

No.  Do not give a statement to the other side’s insurance company.  If you are contacted by the other driver’s insurance company, be polite but state that you do not wish to speak to them.  The other driver’s insurance company wants to minimize your damage and the amount of money you will recover.  It will use your statement against you if it can.  Remember be polite but do not give a statement.

Should I contact my own insurance company?

Yes.  Most auto insurance policies require their policyholders to promptly report every auto accident.

Do I need a lawyer?

Yes, if you were hurt and want compensation for your losses.  If you were hurt in an accident and the accident was not your fault, you should have a lawyer.  Only your lawyer will work to make sure you recover all that you are entitled to.  The insurance company for the other party wants to minimize your injuries and minimize the amount of money you receive for your injuries.  In order to protect yourself, you need a lawyer.


Broken Bones [Fractures]

Torrance California Personal Injury Attorney

Personal Injury Attorney, Torrance, CA

About Broken Bones [Fractures]

Broken bones must be taken seriously.  Some require a cast and are better within several weeks or months.  Unfortunately, others are not as easy to repair and may require months of treatment.  Broken bones involve serious medical expense, and can have permanent effects on a person’s physical and emotional well-being.

David S. Brown has immense experience getting victims compensation for a variety of broken bones.  Common injuries include foot fractures, ankle fractures, hand fractures, wrist fractures, pelvis fractures, leg fractures, shoulder fractures, arm fractures, back fractures, and skull fractures.

Broken bones can be caused by auto accidents, motorcycle accidents, bike accidents, blows to the head, falls, faulty playground equipment, swimming pool accidents, schoolyard accidents, and horseback riding accidents.

Some broken bones require surgery with the insertion of metal plates and rods.  Some will take months of treatment and therapy.  Some broken bones will leave injuries that never heal.

If you or a loved one suffered a fracture, we can help. Call David S. Brown and find out your rights.  Don’t guess about whether you can be compensated.  Call David S. Brown and let this experienced lawyer help you.

Damages for Brain Injuries

Torrance California Personal Injury Attorney

Torrance, CA Brain Injury Attorney

If you or a loved one is suffering from a brain injury, you already know how difficult it can be.  There may be mood swings, memory problems, and anxiety.  You will need medical help, and more.  There is help for you.

David S. Brown wants to make sure you receive full compensation for your injury.  He also wants to make sure you and your family receive all the help you need for your injury.  You and your family are not alone as you deal with this injury.

There are many types of accidents that can cause trauma to the brain:

  • Slips and Falls
  • Car Accidents
  • Truck Accidents
  • Industrial Accidents

More Information About Brain Injuries

General Damages (Pain and Suffering, Severe Emotional Distress)

If you or a loved one have suffered a brain injury, you may be entitled to substantial compensation for your injuries, your time away from work, and your injury-related expenses. You may also be entitled to general damages (emotional distress and pain and suffering.)

For help in pursuing your legal rights to civil justice and financial compensation, call David S. Brown at 310-378-3733.

Here are links to other website where you can learn more about living with brain injuries:

For a wife’s insight in dealing with her husband’s traumatic brain injury, read the article written by Lorraine Devon Wilke, “Love in the Age of Mild Traumatic Brain Injury.”


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Contact us today for a free initial consultation:

Brown, Brown & Brown
Personal Injury Attorneys
23326 Hawthorne Blvd.
Suite 380
Torrance, CA 90505

Phone: 310-378-3733

Personal Injury Lawyers