Kern Case by Case: Episode 7 | Insurance Companies And Auto Claims Exposed (Insider Knowledge, Your Rights, What Not To Do Or Say)

What is the insurance company actually thinking when your accident and injury claim comes in? Now you can find out.In this episode of Kern Case by Case, attorneys Matt Clark and Chris Hagan sit down with Richard Picarelli, a member of the Chain | Cohn | Clark pre-litigation team who spent nearly 30 years at State Farm, including years right here in the Bakersfield office. Richard has worked as a fire and casualty adjuster, handled auto property claims, served in the workers' compensation division, and managed teams. Now he works as an advocate for injured people.From what happens the moment you file a claim to the mistakes that quietly kill cases, this episode pulls back the curtain on a process most people don't understand until it's too late.00:00:00: Intro00:01:15: Meet Our Guest00:08:00: Insurance Company v. Plaintiff's Law Firm (Differences)00:12:15: Tips - Dealing With Insurance Companies (Recorded Statements, Release of Claims)00:16:40: How Insurance Company Work, Behind the Scenes00:21:30: Investing Your Premiums and Exposure00:25:20: Rising Premiums vs. Record Profits 00:27:30: Most Important Coverage (Uninsured Motorist Policy)00:30:45: Vital Steps to Take After an Accident + Other Tips00:36:15: Medical Care + Evaluation00:42:30: When to Contact an Attorney00:45:00: Why Social Media Use Matters00:47:45: Power of Insurance Checkbook (Signing Insurance Releases)00:51:00: Final Legal Tips, Bad Lawyers00:56:00: Outro In this episode, we cover:⚖️ How insurance adjusters are trained to think about your claim⚖️ Whether there is real pressure inside insurance companies to settle low and fast⚖️ What to do immediately after an accident, and what never to say⚖️ Why uninsured and underinsured motorist coverage matters in Kern County⚖️ The most common mistakes that hurt or kill auto accident claims⚖️ How the pre-litigation process works and when a lawsuit becomes necessary⚖️ What to look for in an attorney after an accidentIf you've ever been in an accident, know someone who has, or simply want to understand how the system works before something happens, this is the episode to watch.===CHAIN | COHN | CLARK is Kern County’s leading accident, injury and workers’ compensation law firm, recognized in the prestigious U.S. News & World Report’s “Best Law Firms” rankings, and selected year after year in the “Best Law Firm” category in The Bakersfield Californian’s Readers’ Choice Poll. Our attorneys have represented clients from throughout the Central Valley since 1934. We concentrate our efforts on protecting the rights of individuals seriously injured due to the negligent, reckless or intentional conduct of another. At Chain | Cohn | Clark, we pride ourselves on having the reputation and resources necessary to overcome the most difficult challenges while achieving the best results for clients. For more information, go to chainlaw.com, and visit our blog to stay up to date on law firm news at chainlawblog.com.