Insurers Protect Their Money. We Protect Your Recovery.
Serious auto accidents leave families with medical bills, lost income, and an insurance industry built to minimize what you collect. We rebalance the equation.
You may have a case if…
- ›You suffered serious injury — fractures, surgery, traumatic brain injury, spinal injury.
- ›An insurance company has offered a quick lowball settlement.
- ›The at-fault driver was uninsured, underinsured, or commercial.
- ›Multiple vehicles or commercial defendants are involved.
- ›A loved one was killed or catastrophically injured.
Auto accident cases look simple — they are not. The settlement value depends on liability proof, medical documentation, future-care projections, lost-earnings analysis, lien resolution, and aggressive negotiation against adjusters trained to minimize.
We build every case from the ground up: police reports, scene reconstruction when liability is contested, full medical workups, life-care plans for serious injuries, and economist projections. Then we negotiate with all of it on the table.
California Negligence
At-fault drivers and their insurers are liable for full compensatory damages — medical, lost earnings, pain and suffering, loss of consortium.
Comparative Fault
California follows pure comparative fault — your recovery is reduced by your percentage of fault but never barred. Insurers exploit this aggressively; we push back.
Uninsured/Underinsured Motorist Coverage
Your own UM/UIM coverage applies when the at-fault driver has insufficient insurance. These claims have their own deadlines and procedural traps.
Commercial Vehicles and Employer Liability
When a commercial driver causes the crash, the employer is typically liable under respondeat superior — and commercial policies dwarf personal-auto limits.
What you can recover
- •Past and future medical expenses.
- •Past and future lost earnings, including loss of earning capacity.
- •Pain and suffering, emotional distress, loss of enjoyment of life.
- •Loss of consortium claims by spouse.
- •Property damage.
- •Punitive damages in DUI and gross-negligence cases.
The process
Step 01
Investigation
Scene visit, accident reconstruction expert if needed, witness statements, police-report analysis.
Step 02
Medical Coordination
We connect you with the right specialists and coordinate liens so you get treatment without out-of-pocket cost.
Step 03
Demand & Negotiation
Comprehensive demand package with medical records, billing, lost-wage documentation, and expert opinions.
Step 04
Filing & Trial
If insurers refuse fair value, we file suit and try the case.
Why Okojie Law
Frequently asked questions
Should I talk to the other driver's insurance company?+
No. Recorded statements are used against you. Refer all contact to us.
What if I'm partially at fault?+
You can still recover. California is pure comparative — even at 80% fault you collect 20% of your damages.
How much is my case worth?+
Depends on injury severity, treatment, lost income, insurance limits, and liability strength. We give a candid estimate after reviewing your records — not before.
How long does a case take?+
Simple cases resolve in months. Serious-injury cases that require full treatment and litigation can take 1–3 years, but the recovery is typically a multiple of what early settlements offer.
What if the at-fault driver had no insurance?+
Your own UM/UIM coverage usually applies. We also pursue any other potentially liable parties — vehicle owner, employer, etc.
What does it cost?+
Nothing up front. Contingency representation.
Tell us what happened.
Confidential. No obligation. We respond within one business day.
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