Reference · file CA-11

Frequently asked questions

The questions this desk is asked most, answered with the same grounding rule as everything else: no invented numbers, no advice dressed as information.

01

What should I do at the scene of a car accident?

In order: safety first (move to safety if possible, call 911 for injuries), then evidence. Exchange driver, registration, and insurance information; photograph the vehicles from all four corners, the damage, and the scene before anything moves. The police report is the anchor document. Documentation file →

02

Do I have to report a car accident to the DMV?

Yes, in most injury crashes: Vehicle Code §20008 requires a written SR-1 report to the DMV within 10 days when the collision involves injury, death, or property damage above the statutory threshold. The SR-1 is separate from the police report. Reporting file →

03

What is the most common injury in a car accident?

Soft-tissue injury — muscle, tendon, and ligament damage, most often to the neck (whiplash). Bone fractures are the exception, not the rule. The glossary defines the WAD grades.

04

What is a T-bone accident?

A collision where one vehicle's front strikes another vehicle's side, usually at an intersection. The struck vehicle's side offers only the door between the impact and the occupant. T-bone file →

05

How long do I have to file a lawsuit after a car accident in California?

Two years from the date of injury for personal-injury lawsuits (Code of Civil Procedure §335.1). Narrow exceptions exist; applying them to a specific case is a lawyer's job. Reporting file →

06

Who pays my medical bills after a car accident?

That depends on the claim structure: the at-fault driver's liability policy pays after fault and damages are established; your own medical payments coverage (if carried) may pay along the way; UM/UIM coverage steps in when the at-fault driver has no or insufficient coverage. Claims file →

07

What are California's minimum auto insurance limits?

For policies issued or renewed on or after January 1, 2025 (SB 1107): $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage. Older policies may still carry 15/30/5 until renewal.

08

Can a seatbelt or airbag cause injuries?

Yes — the belt bruise, chest-wall strain, and airbag abrasions are real, documented patterns. They are the lesser trade against what restraints prevent: NHTSA estimates seatbelts reduce fatal-injury risk for front-seat occupants by about 45 percent. Restraint file →

09

What is my car accident case worth?

There is no public number worth trusting, and this desk does not invent one. Value is established from liability, documented damages, and negotiation — the claims file explains the structure, and the documentation file explains the record that feeds it.

10

What is whiplash?

The common name for the neck injury pattern from rapid acceleration-deceleration — the head lags, then whips. Clinically it is classified as WAD grades 0 through IV by the Quebec Task Force. The rear-end file carries the full detail.

11

Do I need a lawyer after a car accident?

Not in every case — minor, property-only collisions often resolve without one. Where injuries, disputed fault, or permanent impairment exist, the calculus changes. The claims file and reporting file explain the mechanics; the decision is yours.

12

How long does a car accident injury take to heal?

It depends on the tissue: soft-tissue injuries follow a three-phase schedule of weeks to months; fractures a schedule of 6–12 weeks for simple cases. The fracture file covers bone.