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e bike being road on a small local street

Reckless E-Bike and E-Scooter Games: Who Is at Fault?

By Bicycle Accident, Car Accident, E-Bikes and E-Scooters, Pedestrian Accident, Personal Injury, Wrongful Death

Reddit message about reckless e-bike and e-scooter riders in IrvineReckless E-Bike and E-Scooter Behavior Raises Concerns

In Irvine and surrounding areas, there has been a surge of comments on local Facebook groups and Nextdoor about teenagers playing games with drivers at traffic lights while riding e-bikes and e-scooters. Many drivers are alarmed at the increase in this behavior, especially when young riders dart into intersections or swerve in front of moving traffic.

One Reddit user shared their recent experience at W Yale Loop and Blue Lake South, where three teen girls rode diagonally through a busy intersection. This kind of behavior might seem funny to teens, but for drivers, it is a terrifying moment with potentially deadly consequences.

Who Is at Fault in an E-Bike or E-Scooter Accident?

California law requires e-bike and e-scooter riders to follow the same rules as cars. If a rider behaves recklessly and causes an accident, they can be held liable. But many minors do not carry insurance, and their bikes often do not have license plates or registration. This makes it difficult for victims to pursue compensation unless a parent’s homeowner’s policy or the driver’s own uninsured motorist coverage applies.

If a driver overcorrects to avoid a reckless rider and crashes into another vehicle, the situation becomes more complex. Under California’s comparative negligence rules, fault can be shared. If the driver’s reaction was reasonable under the circumstances, the bulk of the fault may still lie with the e-bike rider.

Who Can Legally Ride an E-Bike?

California divides e-bikes into three classes:

Class 1: Pedal-assist, up to 20 mph. No minimum age. Helmets required under 18.
Class 2: Throttle-assisted, up to 20 mph. No minimum age. Helmets required under 18.
Class 3: Pedal-assist, up to 28 mph. Must be at least 16 years old. Helmets required under 18. Not allowed on most bike paths.

E-scooter riders must be at least 16 and have a driver’s license or permit. Riders under 18 must wear helmets. Sidewalk riding is prohibited.

The Irvine Police Department is urging parents to take a closer look at what they are buying for their kids. Many of the motorized bikes on local roads are not legally considered e-bikes at all. According to a recent social media post from Irvine PD, officers are encountering more juveniles on electric motorcycles—vehicles that require a driver’s license and cannot be used on public roads by unlicensed minors. If the vehicle does not have pedals, it is not an e-bike. It is an electric motorcycle.

Public Warnings and Community Reactions

Community frustration is growing. In addition to the Reddit posts and neighborhood threads, local media is covering the issue. KTLA reported that some cities, including Lake Forest and Irvine, are seeing waves of reckless riding, with residents saying they feel “terrorized” by teens weaving in and out of traffic or riding in large, fast-moving groups.

The Irvine Police Department has issued multiple social media warnings about unsafe e-bike use, street takeovers, and kids riding unregistered and illegal vehicles. These warnings are not about fear—they are about safety. One wrong move can lead to irreversible consequences.

Why Hire Fielding Law

At Fielding Law, we help drivers and pedestrians recover after life-changing crashes involving reckless e-bike or e-scooter riders. Our team understands how confusing these situations can be, especially when the at-fault rider is a minor. We guide you through every step of the legal process and fight for the compensation you deserve.

Call 833.88.SHARK or contact Fielding Law today for a free consultation.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

May 8, 2025
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person sitting on a sofa writing in their pain journal

Why You Should Track Your Pain Daily

By Car Accident, Personal Injury

Why a Pain Journal Matters

After a personal injury, the healing process often involves both physical and emotional pain. A pain journal for injury claim recovery can help document your experience day by day. More than just notes, it can become a valuable part of your case.

Pain is personal, and it changes over time. By tracking your symptoms and how they affect your daily life, you provide clear insight into what you have been experiencing. This can be helpful for doctors, legal teams, and insurance companies.

What to Include in a Pain Journal

A good pain journal should be clear, consistent, and detailed. Try to update it daily or at least several times a week. You do not need to write long entries, but the right details make a difference.

Include the following information

  • Date and Time – Always include when you write

  • Pain Levels – Use a 1 to 10 scale to measure pain

  • Type of Pain – Sharp, dull, throbbing, burning, etc.

  • Activities Impacted – What can you not do now that you could before

  • Emotions or Mood – How the pain affects your mental health

  • Medication or Treatment – Note what helps and what does not

Keeping this record shows patterns. It may also help doctors adjust treatment and help legal teams build your case.

Can a Pain Journal Be Used as Evidence

A pain journal may support your injury claim. While it is not considered formal evidence on its own, it can back up your testimony. It can also help refresh your memory months later.

In personal injury cases, consistent and honest records can help show the severity and duration of your suffering. This includes the impact on your work, sleep, hobbies, and family life.

Your journal may also be useful during settlement talks or court proceedings. It tells your story clearly, in your own words.

A Tool for Healing and Support

Besides legal use, a pain journal offers emotional benefits. Writing helps you reflect and track progress. It helps make the healing journey more visible.

For many people, journaling creates structure in an uncertain time. It helps regain a sense of control when so much feels out of your hands.

Why Choose Fielding Law

At Fielding Law, we understand the importance of your story. Pain journals help us better represent the challenges you face. Our team listens, supports, and stands ready to fight for the outcome you deserve.

You will never be treated like a case number. We treat each client with kindness and professionalism, while delivering strong legal representation.

When you are ready to talk, call 833.88.SHARK or reach out to Fielding Law. Let us help you navigate what comes next.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

May 5, 2025
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Man and Woman Wearing Traditional Mexican Clothes for Cinco de mayo

Stay Safe This Cinco de Mayo

By Car Accident, Pedestrian Accident, Personal Injury, Slip or Trip and Fall

Cinco de Mayo is a time for celebration with friends and family, but it is important to keep safety in mind while enjoying the festivities. Here are a few tips for staying safe while you celebrate.

Driving Safely on Cinco de Mayo

  • Use a Designated Driver: If you plan to drink, make sure you have a designated driver. Ride-sharing services like Uber and Lyft are also great options to avoid driving under the influence.

  • Stay Alert on the Road: Celebrations can make the roads busier, with more impaired drivers. Pay attention to other drivers and follow the rules of the road.

  • Know Your Limits: Even a small amount of alcohol can affect your ability to drive. Remember that the legal limit for BAC is 0.08% in California and Arizona, but it is safer to avoid drinking and driving altogether.

  • Plan Ahead: If you are out late, plan ahead for a safe way to get home. Many cities offer discounts or free rides during major holidays like Cinco de Mayo.

Preventing Accidents While Celebrating

  • Pace Yourself: Drinking slowly and alternating alcoholic beverages with water can help you stay in control and avoid accidents.

  • Supervise Children: Keep an eye on children if you are hosting a party, especially if alcohol is involved.

  • Be Careful While Moving Around: Whether dancing, playing games, or simply enjoying time with friends, be aware of your surroundings to avoid slips, trips, or falls.

  • Avoid Distractions: If you are attending a gathering, avoid texting or driving distracted. If you need to use your phone, pull over to a safe location before checking messages or navigation.

Personal Injury Awareness

With the fun of the celebration, it is also important to be aware of the potential for accidents and injuries.

  • DUI Accidents: DUI-related accidents are common on holidays like Cinco de Mayo. If you have been involved in a DUI accident, it is crucial to contact an experienced attorney to protect your rights.

  • Injuries at Gatherings: Accidents can happen, whether from a fall or another person’s actions. If you are injured at a friend’s home or public event, seek medical help right away. Depending on the situation, you may be entitled to compensation for your injuries.

Why Hire Fielding Law?

At Fielding Law, we are here to help if you are injured in an accident. Our team has experience handling personal injury cases, from car accidents to slip and falls. We understand how difficult it can be after an injury, and we are dedicated to providing compassionate, capable legal support.

If you have been injured due to someone else’s negligence, do not hesitate to reach out to Fielding Law at 833.88.SHARK to discuss your case. We are here to help you navigate the legal process and fight for the compensation you deserve.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

May 2, 2025
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a bicycle and a motorcycle on the side of the road with a lake in the background

Motorcycle and Bicycle Safety: Look Twice, Save a Life

By Bicycle Accident, Car Accident, Motorcycle Accident

Every year, thousands of motorcyclists and bicyclists are injured or killed in accidents that could have been prevented with greater awareness. One of the most important habits all drivers can develop is to look twice before making a turn or changing lanes. This simple action can save lives and reduce devastating collisions.

Why Motorcycles and Bicycles Are Harder to See

Motorcycles and bicycles are significantly smaller than cars, making them more difficult to spot in traffic. Several factors contribute to their reduced visibility:

  • Blind Spots: Many crashes occur because motorcycles or bicycles are in a driver’s blind spot. If drivers do not take the time to check thoroughly, they may merge or turn directly into a rider’s path.
  • Lane Positioning: Unlike cars, motorcycles and bicycles may position themselves differently within a lane to avoid road hazards, making them less predictable.
  • Speed Misjudgment: Due to their smaller size, drivers often misjudge how fast a motorcycle is approaching, leading to dangerous left-turn accidents at intersections.

How Drivers Can Prevent Accidents

Taking a few extra seconds to be more aware of motorcycles and bicycles can make all the difference. Here are some key tips:

  • Check Twice Before Turning or Changing Lanes: Always double-check your mirrors and blind spots before making a move.
  • Be Extra Cautious at Intersections: Many accidents occur when drivers make left-hand turns without noticing an oncoming rider.
  • Give Riders Space: Do not follow too closely. Motorcycles and bicycles need room to maneuver, especially in poor weather or on rough roads.
  • Use Your Turn Signals Early: Clear communication on the road helps everyone anticipate movements and avoid collisions.
  • Avoid Distracted Driving: Keep your focus on the road. Even a moment of distraction can be deadly for motorcyclists and bicyclists.

Safety Tips for Riders

While drivers have a responsibility to look out for motorcyclists and bicyclists, riders should also take proactive steps to stay safe:

  • Wear Bright or Reflective Gear: Increasing visibility can help prevent accidents, especially at night or in low-light conditions.
  • Make Eye Contact with Drivers: If possible, confirm that a driver sees you before crossing an intersection or merging.
  • Ride Defensively: Assume that drivers may not see you and be prepared to react quickly to sudden lane changes or stops.
  • Use Proper Lighting: Keep headlights, taillights, and reflectors clean and functioning properly.

Why Awareness Matters

A crash involving a motorcycle or bicycle often results in severe injuries or fatalities. Unlike cars, riders do not have the same level of protection, making them more vulnerable to serious harm. By increasing awareness and adopting safe driving habits, both drivers and riders can work together to prevent these tragedies.

Why Hire Fielding Law?

If you or a loved one has been injured in a motorcycle or bicycle accident due to a negligent driver, you do not have to face the legal process alone. Fielding Law specializes in personal injury cases and is dedicated to helping victims get the compensation they deserve. Contact Fielding Law today at 833.88.SHARK to discuss your case.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

May 1, 2025
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Several vehicles on a Los Angeles freeway with the hills in the background

Who Pays When Multiple Parties Are Liable?

By Car Accident, Personal Injury, Premises Liability, Product Liability, Slip or Trip and Fall, Wrongful Death

What Is Joint and Several Liability?

In certain situations, when multiple parties are responsible for causing harm, one defendant might be required to pay the full amount of damages, even if others share some of the responsibility. This is known as joint and several liability. If one defendant pays the entire amount, they may later seek reimbursement from the other responsible parties. This legal concept can greatly impact how damages are divided in a personal injury case.

How Does Joint and Several Liability Work?

When more than one defendant is involved in an injury, the court determines the level of responsibility for each. If a defendant is found to be “jointly and severally” liable, they may be ordered to pay the full compensation to the injured party. This can happen regardless of the level of fault the defendant shares with others.

For example, imagine a car accident where two drivers are at fault. If one of the drivers has limited insurance or assets, the other may be required to cover all damages. Once the paying defendant covers the full amount, they may seek reimbursement from the other responsible parties.

How Does This Impact Your Case?

In cases where joint and several liability applies, the injured party may receive full compensation for their injuries, even if one defendant cannot pay. However, this legal structure places the burden on the paying defendant to pursue others for their fair share.

It is crucial to work with a legal team who understands how joint and several liability can affect your compensation. If multiple parties are involved in your injury, your attorney can help ensure that you are compensated fairly and guide you through the complexities of this type of case.

Why Hire Fielding Law?

At Fielding Law, we have the knowledge and experience to navigate complex liability issues. Whether your case involves one responsible party or several, we are here to advocate for your rights and ensure you get the compensation you deserve.

Our empathetic team takes the time to understand the unique details of your situation, helping you every step of the way. Fielding Law is dedicated to your success and will work tirelessly to secure the best outcome for you.

If you have questions about your case or need expert legal representation, call 833.88.SHARK today. We are here to help.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

April 29, 2025
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hand holding a phone that reads Car Insurance Co. View Policy

Is a Digital Insurance Card Valid in California?

By Car Accident

Car insurance is required for all drivers in California. If you are pulled over or involved in an accident, you must provide proof of insurance. But does that proof have to be a physical card, or can you use a digital version?

The good news is that California law allows drivers to show proof of insurance in either physical or digital form.

Digital Proof of Insurance is Accepted

California law recognizes electronic proof of insurance. This means you can show your insurance card on a smartphone or tablet. Most insurance companies offer mobile apps where you can access your policy details.

As of October 2022, 49 states and Washington, D.C., accept digital proof of auto insurance instead of a printed ID card. The only state that still requires a physical copy is New Mexico.

Traveling with Digital Insurance

If you plan to drive outside California, it is important to understand California car insurance requirements and how they compare to other states. When traveling through New Mexico, you should carry a printed copy to avoid any issues. Additionally, some rental car companies may require a physical insurance card, so having both options available is recommended.

Benefits of Digital Insurance Cards

  • Convenience – No need to carry a paper card

  • Easy Access – Available on your phone at any time

  • No Risk of Loss – Unlike a physical card, you cannot misplace a digital version

When You Might Need a Physical Copy

Although digital proof is legal in most places, some situations may still require a paper copy. Certain rental car companies and auto repair shops may ask for a physical insurance card. Keeping a printed copy in your glove box is a good idea.

Why Hire Fielding Law

If you have been in an accident and are facing insurance complications, Fielding Law can help. Our team understands California car insurance requirements and will fight for your best outcome. Contact us today at 833.88.SHARK for a free consultation.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

April 28, 2025
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Desert road with a red truck on it with a sharp turn ahead road sign

Understanding Road Signs: A Guide for Drivers

By Bicycle Accident, Car Accident, E-Bikes and E-Scooters, Motorcycle Accident, Pedestrian Accident

Road signs are an essential part of every driver’s journey. They help keep us safe, informed, and aware of the rules of the road. While the general purpose of road signs remains the same across the United States, California and Arizona have specific road signs designed to address the unique conditions and needs of each state. Understanding these signs is crucial not only for safety but also for avoiding legal trouble.

Types of Road Signs in California and Arizona

Both California and Arizona follow federal guidelines for road signs, but you will find some distinctive signs in each state due to differences in traffic laws, weather conditions, and road infrastructure. Let’s break down ten common signs you will encounter in these states.

bike use full lane road sign

1. Bikes May Use Full Lane

This sign allows cyclists to take up the full lane, especially when it is too narrow or unsafe for them to ride at the edge. California, with its many bike-friendly cities like San Francisco and Los Angeles, often uses this sign to ensure that cyclists have the room they need to stay safe. Arizona, known for its beautiful desert roads, uses this sign as well to protect cyclists from being squeezed by larger vehicles.

Why It Matters:

  • Protects cyclists from being squeezed by cars and trucks.
  • Helps both drivers and cyclists understand their rights on the road.

watch for motorcycles road sign2. Watch for Motorcyclists

This sign reminds drivers to stay alert for motorcycles, which may be harder to see in traffic. Motorcycles are especially prevalent in California, where riders enjoy scenic routes along the Pacific Coast Highway, and Arizona, known for its popular routes like Route 66.

Why It Matters:

  • Raises awareness of the presence of motorcycles, ensuring safer driving for all.
  • Helps reduce accidents caused by drivers failing to notice bikers in traffic.

pedestrian crossing road sign

3. Pedestrian Crossing

Both California and Arizona feature Pedestrian Crossing signs to remind drivers to be cautious and yield to pedestrians at crosswalks. In urban areas like Los Angeles or Phoenix, these signs are especially important as more people walk due to traffic congestion.

Why It Matters:

  • Protects pedestrians by alerting drivers to slow down.
  • Promotes safer streets in busy cities with high foot traffic.

no bikes on sidewalk road sign4. No Bikes on Sidewalk

California and Arizona both utilize No Bikes on Sidewalk signs to protect pedestrians. Riding bikes on sidewalks can create dangerous situations where pedestrians and cyclists share space, particularly in crowded areas.

Why It Matters:

  • Protects pedestrians from bike accidents.
  • Encourages cyclists to use bike lanes or roads for a smoother, safer ride.

merge ahead road sign

5. Merge Ahead

One of the most common signs in both states, Merge Ahead, warns drivers that lanes will be merging. California’s heavy traffic and Arizona’s scenic routes make this sign a necessity, especially on highways and interstates.

Why It Matters:

  • Alerts drivers to prepare for lane changes.
  • Reduces accidents caused by sudden merging.

slippery when wet road sign6. Slippery When Wet

In California, especially in mountain regions, and Arizona, where sudden rainstorms can occur, the Slippery When Wet sign is essential for alerting drivers to hazardous road conditions. This sign is often posted on bridges, hills, and roads prone to slickness after rain.

Why It Matters:

  • Helps drivers adjust their speed and driving behavior in wet conditions.
  • Prevents accidents caused by slippery surfaces.

no u turn road sign

7. No U-Turn

While this sign may seem simple, it is essential for reducing dangerous traffic maneuvers, especially in busy urban areas. Both California and Arizona use No U-Turn signs to prevent drivers from turning around in restricted areas, such as intersections or highways.

Why It Matters:

  • Prevents accidents caused by drivers attempting illegal U-turns.
  • Maintains smoother traffic flow.

construction ahead road sign8. Construction Zone

Construction Zone signs are common throughout California and Arizona, particularly in growing urban areas and on highways undergoing repairs. These signs warn drivers to reduce speed and drive cautiously in areas with construction activity.

Why It Matters:

  • Protects construction workers and drivers.
  • Reduces accidents caused by speeding in work zones.

sharp turn ahead road sign9. Sharp Turn Ahead

California’s mountain highways and Arizona’s desert routes are often filled with sharp curves. The Sharp Turn Ahead sign gives drivers a heads-up to slow down and adjust their driving.

Why It Matters:

  • Helps drivers navigate tricky turns safely.
  • Prevents accidents in areas with poor visibility or sharp corners.

animal crossing road sign10. Animal Crossing

In both California and Arizona, you will find Animal Crossing signs, especially in rural and mountainous areas. These signs alert drivers to the potential for wildlife, such as deer or cattle, to cross the road.

Why It Matters:

  • Protects both wildlife and drivers.
  • Reduces accidents caused by collisions with animals on the road.

Why Road Signs Matter in California and Arizona

Ensuring Road Safety for All
Road signs are designed to protect not just drivers, but cyclists, pedestrians, and motorcyclists as well. In states like California and Arizona, where different types of vehicles share the road, these signs are critical for reducing accidents.

Legal Compliance
In both states, failing to comply with road signs can result in fines, traffic violations, or worse, accidents. Being aware of what each sign means ensures that you drive within the law and avoid costly mistakes.

Navigating Unique Road Conditions
From California’s coastal routes to Arizona’s desert highways, both states have unique driving conditions. Road signs help drivers navigate these conditions safely, from warnings about high winds to signs indicating the presence of wildlife.

Stay Safe, Stay Informed

Whether you are a resident or a visitor in California or Arizona, understanding road signs is essential for safe and responsible driving. Be sure to familiarize yourself with these and other signs to protect yourself, your passengers, and other road users. Always drive with caution and respect for the rules of the road.

If you are ever involved in an accident due to a misunderstanding or failing to adhere to road signs, reach out to Fielding Law for expert legal guidance. Our experienced team is here to ensure your rights are protected on the road.

Call 833.88.SHARK for a free consultation today!

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

April 25, 2025
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An elderly couple in a convertible car

Elderly Drivers and Cognitive Health

By Car Accident, Catastrophic Injury, Wrongful Death

As people age, their ability to drive safely can be impacted by mild cognitive impairment (MCI) or other age-related changes. While many older adults can still drive safely, studies show that cognitive decline can increase risks on the road. According to the National Highway Traffic Safety Administration (NHTSA), drivers aged 65 and older were involved in 20% of all fatal traffic crashes in 2022. Understanding these risks is critical to keeping everyone safe.

How Cognitive Impairment Impacts Driving

Driving requires quick decision-making, focus, and coordination. Mild cognitive impairment can affect:

  • Reaction Time: Slower responses to traffic signals or sudden hazards.
  • Memory: Difficulty remembering routes or understanding road signs.
  • Judgment: Poor decisions in high-stress situations, such as merging or navigating intersections.

Recognizing these signs early can help families address potential dangers before accidents occur.

Testing and Awareness for Elderly Drivers

Recent studies suggest that routine testing for cognitive decline could be beneficial for elderly drivers. These tests may help identify those at higher risk of causing accidents. Recommendations include:

  • Regular screenings during Medicare visits.
  • Discussions between families and healthcare providers about driving safety.
  • Adjustments to driving habits, such as avoiding night driving or busy highways.

When an Accident Happens

Unfortunately, not all risks can be prevented. If an elderly driver causes or is involved in an accident, the consequences can be severe, including:

  • Injuries to pedestrians or other drivers.
  • Extensive medical bills and vehicle damage.
  • Emotional trauma for all parties involved.

Why Hire Fielding Law

At Fielding Law, we understand the complexities of accidents involving elderly drivers. Our experienced team is here to help you navigate the legal process with compassion and care. We work tirelessly to secure the compensation you deserve, whether for medical bills, lost wages, or emotional suffering.

If you or a loved one has been involved in an accident caused by or involving an elderly driver, call Fielding Law at 833.88.SHARK for a free consultation. Let us handle the legal side so you can focus on recovery.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

April 22, 2025
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Empty courtroom with multiple black chairs and wooden pews

How Can My Case Have Multiple Defendants?

By Car Accident, Personal Injury, Premises Liability, Product Liability

Understanding Multiple Defendants in a Case

When you file a personal injury claim, more than one party may be responsible for your injuries. In these cases, multiple defendants can be named in a lawsuit, each playing a role in the damages you have suffered. Understanding how this works can help you build a strong case and pursue fair compensation.

Situations Where Multiple Defendants May Apply

There are several situations where multiple defendants could be held accountable for your injuries. Identifying all liable parties ensures you receive the compensation you deserve.

Car Accidents Involving Multiple Parties

In a multi-car collision, more than one driver may share responsibility. For example, if one driver runs a red light while another is speeding, both could be liable for your injuries. Establishing fault requires a thorough investigation, including reviewing accident reports and witness statements.

Premises Liability Cases

If you suffer an injury at a business or on private property, multiple parties could be responsible. For example, a property owner and a third-party maintenance company might both contribute to hazardous conditions, such as an unmarked wet floor or faulty handrails.

Product Liability Claims

When defective products cause injuries, multiple defendants may include the manufacturer, distributor, and retailer. Each party involved in the supply chain could have played a role in producing or selling a dangerous product.

Workplace Injuries Involving Third Parties

Work-related injuries are not always the sole responsibility of an employer. If faulty equipment or negligence from a third-party contractor contributed to the injury, both the employer and the third party may be liable.

How Liability is Determined

Liability in cases with multiple defendants depends on comparative negligence or joint and several liability:

  • Comparative Negligence: Each party is assigned a percentage of fault, and damages are awarded based on these percentages.
  • Joint and Several Liability: One defendant may be required to pay the full amount of damages, even if others also share responsibility. The paying defendant can then seek reimbursement from the other liable parties.

Why Hire Fielding Law?

Handling a case with multiple defendants requires a skilled legal team. At Fielding Law, we thoroughly investigate every aspect of your case to hold all responsible parties accountable. Our team is dedicated to securing the compensation you deserve. Call us today at 833.88.SHARK to discuss your case.

If your case involves multiple defendants, knowing how liability is determined can help you understand your legal options. Seeking legal guidance from experienced attorneys can make a significant difference in achieving a successful outcome.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

April 21, 2025
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two people sitting in a car filling out an insurance claim

Pay for Insurance, Get Penalized for Using It

By Car Accident, Personal Injury

Insurance companies have mastered the art of convincing people they need insurance. Whether it is auto, home, health, or another form, the message is clear: You need this protection. Without it, you are exposed to risk. You are practically forced to get insurance for your car, house, and even your health, often at high monthly premiums.

But here is the kicker: once you actually need to use your insurance, you are told that filing an insurance claim could raise your rates. In essence, they take your money to protect you, but when you need them most, they warn you to back off. It is a frustrating and ridiculous situation that puts consumers in a tough spot.

The Insurance Trap: Protecting Profits, Not People

So, why do insurance companies do this? The answer is simple: profit. Insurance companies profit by collecting premiums and not paying out claims. The longer they can keep your money and avoid paying you, the better it is for their bottom line. This creates a system where people are afraid to file claims. They fear a rate increase, even though they have been paying for years.

This fear is not unwarranted. Insurance companies often raise premiums after you file a claim. Even legitimate claims lead to higher rates. This creates a culture of anxiety around the thing that was supposed to protect us—our insurance. You are penalized for using the service you pay for. This makes the entire process feel like a scam.

The Consequences of Avoiding Filling an Insurance Claim

At Fielding Law, we see clients hesitate to open claims because they fear an increase in premiums. This is where the insurance industry’s double standard shows its ugly side. People pay premiums for years, sometimes decades, only to find out the protection they were promised is not easily accessible.

Avoiding claims can lead to financial and physical consequences. If you do not open a claim after an accident or injury, you risk your health and finances. Medical bills pile up, and without proper compensation, you could end up paying for something that was never your fault.

The Bottom Line: Use Your Insurance, Do Not Let Them Gaslight You

At Fielding Law, we want you to know that you should use your insurance when you need it. You have already paid for that protection, and you deserve to be covered when something goes wrong. Do not let the insurance industry scare you into believing that using your benefits will result in outrageous rate hikes or worse. If your insurance company tries to penalize you for filing a claim, you have rights. We are here to fight for them.

Understanding Your Legal Rights in Insurance Claims

When it comes to insurance claims, both California and Arizona have laws in place to protect consumers from unfair rate hikes after filing a claim.

In California, Prop 103 and Insurance Code § 1861.02 provide important protections. Under Prop 103, insurance companies are prohibited from raising premiums due to the filing of a claim unless the claim is for a specific type of loss or risk. This helps prevent insurance companies from unfairly penalizing you just for using the coverage you’ve paid for.

In Arizona, the law under A.R.S. § 33-931 ensures that an insurance company cannot cancel or non-renew a policy, or increase premiums due to the filing of a claim in certain situations. This law is designed to protect policyholders from being punished for needing the protection they’ve been paying for.

Why Hire Fielding Law?

At Fielding Law, we help individuals who have been injured due to the negligence of others understand their legal rights after an injury. Whether you are dealing with mounting medical bills, missed work, or pressure from an insurance company, our attorneys are here to guide you. Do not hesitate to reach out if you feel you are being unfairly penalized for filing a claim. We will help you navigate the legal process and fight for the compensation you are entitled to.

Contact us at 833.88.SHARK and let us make sure you get the justice and compensation you are entitled to.

Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.

April 17, 2025
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