CORONAVIRUS UPDATE: What We Are Doing to Protect Our Clients

Waterford Car Accident and Personal Injury Lawyer

Waterford Personal Injury LawyerWaterford is one of nine incorporated cities within Stanislaus County, California. Located just 13 miles east of Modesto on the Tuolumne River and Highway 132, this growing city has a population of approximately 8,619. While Waterford is the eighth-largest city in the county, it still sees its fair share of car accidents. If you or a loved one has been injured after a vehicular crash in the Waterford area and find yourself at a loss when dealing with insurance companies, you should consider hiring an accident attorney to represent your best interests.

At, our injury lawyers have been helping residents of Waterford with their personal injury claims since 1982. For information on how our law firm can help you, call (209) 227-1931 or (800) 404-5400 to speak with one of our Waterford car accident attorneys today.

Our legal team has the resources and experience needed to prove your injury claim to insurance claims adjusters, defense lawyers, and members of the jury. This way, we can obtain the full and fair financial compensation to which you are entitled to under California law. We handle personal injury cases under a contingent fee arrangement. You owe no upfront fees and will only have to pay lawyer’s fees if we win your car accident injury claim.

Where Are the Most Dangerous Intersections in the City of Waterford?

Intersections connect many roads and traffic coming from different directions together. It is no wonder that they are the site of most car accidents. Some of the intersections that have the most traffic crashes in Waterford, CA, include:

  • Bentley Road and Tim Bell Road
  • Bonnie Brae Avenue and C Street
  • Cinnabar Way and Bonnie Brae Avenue
  • Dorsey Street and G Street
  • E Street and SR-132
  • Highway 132 and Reinway Avenue
  • Riverside Drive and Yosemite Boulevard
  • State Route 132 and Tim Bell Road
  • Tisdell Drive and Bentley Street
  • Yosemite Boulevard and Hickman Road

If you have been injured in a motor vehicle collision at one of these intersections in Waterford, California, you may have a viable personal injury lawsuit for driver negligence or dangerous road conditions. Consult with an experienced Waterford personal injury lawyer to learn more. For top tips on what to look for in an injury attorney, watch the video below.

What is a Personal Injury Accident Claim?

A claim for personal injury is intended to compensate a claimant for the financial hardship and intangible harms an accident has had on their life. If it was not for the negligence or carelessness of the at-fault party, the person would not have been injured in the accident and experienced losses incurred. While a personal injury accident case may not always put the injured party in the same position they would have been in if not for the traffic collision, it is designed to make them whole again. At, our Waterford personal injury law firm handles the following types of injury cases arising from accidents:

  • Bicycle Crashes
  • Brain Injuries
  • Car Collisions
  • Dog Bite Injuries
  • Farming Accidents
  • Motorcycle Collisions
  • Pedestrian Accidents
  • Premises Liability
  • Products Liability
  • Truck Accidents
  • Wrongful Death
Types of Car Insurance Coverages Required in California

Auto insurance is required by law in California. All drivers in California must carry:

  • $15,000 in bodily injury liability insurance per individual
  • $30,000 in bodily injury liability coverage per motor vehicle accident
  • $5,000 in property damage liability coverage per auto collision

Not having car insurance is illegal and can result in penalties for drivers who are caught operating an uninsured vehicle. Not only are uninsured drivers breaking California law, but they are also putting themselves at a personal liability risk if they cause a motor vehicle accident without auto insurance to cover it. When a person is injured by an uninsured or underinsured driver, their uninsured/underinsured motorist coverage (UM/UIM) may come into play to cover losses incurred, up to the limits of their insurance policy.

What Does Car Insurance Cover in an Injury Accident?

When a negligent driver causes an auto crash, their car insurance company is liable for personal injury losses. Compensation in a car accident case comes in two types, economic and non-economic damages, such as:

  • Medical Expenses: In California, a personal injury claimant may seek financial recovery of medical bills paid for the injuries they suffered as a result of an accident. Common types of medical treatment after a vehicular crash include ambulance rides, stays at the hospital, surgeries, doctor’s visits, consultations or prescription medications, follow-ups with specialists, therapy, physical rehabilitation, and more. The medical treatment must be deemed reasonable and necessary to be considered for reimbursement. Costs of future medical treatment may also be recovered. However, future medical expenses must be proven through the testimony of a medical expert witness to an insurance company, defense attorney, or jury.
  • Loss of Income: When an injury from a car accident causes a person to miss work, they may be entitled to compensation for lost wages. To prove a claim for lost income, it must be shown that the at-fault party was responsible for the injury, the injury prevented the claimant from working, a doctor’s note for missing work, and a letter from an employer stating the number of hours missed and lost income during recovery of an accident. In cases of lost future earning potential, testimony from an expert medical witness may be necessary to prove the extent and lasting effects of permanent disability on a person’s ability to make a living. A Waterford car accident lawyer can retain a finance expert to calculate the loss of future earnings because of a permanent injury.
  • Loss of Consortium: If the negligence or recklessness of someone else caused a spouse to suffer catastrophic injuries, the uninjured spouse may be entitled to loss of consortium damages. These are intended to compensate the spouse who was not injured in the car accident for the damage caused upon a marital relationship. A loss of consortium claim may also provide compensation for the inability to conceive a child as a result of an accident-related injury, such as a spinal cord injury.
  • Pain and Suffering: This type of non-economic damages takes into consideration the emotional pain and physical suffering a personal injury has had on a claimant’s life. The truth about pain and suffering calculators is that they are entirely useless when it comes to the value of a car accident settlement. Insurance companies do not use these to calculate pain and suffering compensation. Auto insurance carriers use many different types of strategies and software, such as Colossus, to calculate the value of pain and suffering damages. Insurance claims adjusters often set Colossus to intentionally create a lowball settlement offer for a personal injury claim. To overcome this insurance defense tactic, a Waterford personal injury attorney can collect medical records, retain medical expert witnesses, and financial experts like economists to prove the full and fair value of general damages for pain and suffering.
Discuss Your Accident Case with an Experienced Injury Lawyer Today

A personal injury claim may arise from an accident that causes catastrophic injury or wrongful death if it was the result of someone else’s negligence or recklessness. Those who have been hurt or lost a loved one may have a legal right to seek financial compensation in such situations. However, time is of the essence in these cases, and a two-year statute of limitations generally applies to them in the state of California.

It is essential to take quick action after a catastrophic accident. Call our personal injury law firm today to schedule a free case evaluation. A Waterford auto accident lawyer from our law office can discuss the facts and circumstances of your injury case to discuss your best options for financial recovery. You will not have to pay attorney’s fees for our legal services until we win your personal injury accident case.

Image by David Mark from Pixabay 

:ds [cs 1340] cha

Additional Resources:

Client Reviews
"Me and my wife; had a car accident. We were amazed how easy, professional, friendly attorney Ed Smith is along with his staff. Everybody is amazing. Thank you so much, we are very impressed!" Alex & Dinah M.
"Ed Smith and his office team took on a difficult personal injury case on my behalf and for the passenger in my car. Ed is a top- notch attorney. His staff couldn't have been more helpful and kind. No need to look elsewhere. I give Ed Smith my highest recommendation." Beverly
"Ed and Robert have been taking great care of my husband and I for the past 5+ years. They are always there when you have a problem and a quick resolution! Even when the issues have nothing to do with them. They are willing to help ease the pain off your shoulders. They are as good as it gets! Thank you again for everything." Annie T.
"Very professional. Great team, staff and service all around. Mr Smith was very honest, straight forward with his advice. He gives the word "attorney" an honest reputation. I will seek his council anytime, and would recommend him at the drop of a dime." Jeremy M.
"I would highly recommend Ed Smith to any friends or family in need of a personal injury attorney. Ed, and his staff, are very caring on top of being very experienced in this field. The staff always keeps you informed of the status of your case and they are always easy to reach by phone." Shannon D.
"Edward Smith law offices provide competent, thorough, and personable help for victims of personal injury. When you first meet the staff you know you contacted the right office. This law office treats clients like people. I recommend this office to anyone seeking representation regarding personal injury." David M.