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Umbrella insurance is a form of excess liability coverage that extends protection beyond the limits of standard auto, homeowners, or renters insurance policies. It applies when primary insurance has been exhausted, covering costs like medical bills, legal defense, and damages in serious claims. This policy often includes coverage for bodily injury, property damage, defamation, and landlord liability, and may apply internationally. Umbrella insurance does not cover personal property, intentional acts, or business-related claims unless specified. It is commonly used by homeowners, frequent drivers, landlords, and those with higher liability risks. Premiums are relatively low compared to the coverage offered, making it a cost-effective option for broad financial protection.

Rear end accidents in Sacramento often occur during heavy traffic and distracted driving conditions, leading to injuries like whiplash, back strain, and head trauma. Under California law, the rear driver is typically at fault, but shared responsibility can apply. Victims may recover compensation for medical expenses, lost wages, and pain and suffering—especially with help from uninsured/underinsured motorist coverage

Boating accidents can lead to serious injuries, expensive medical bills, and long-term consequences. In this post, we explain your legal rights after a boating accident in California and what steps to take to protect your claim. Whether you were injured as a passenger, operator, or by another boat’s negligence, understanding your options is crucial. Learn how a Sacramento personal injury attorney can help you recover compensation for your injuries, lost income, and other damages.

Bicycle accidents can cause devastating injuries, especially when cars or unsafe road conditions are involved. This article outlines what injured cyclists need to know about pursuing an injury claim in California. We explain your legal rights, the types of compensation available, and how a Sacramento personal injury attorney can help you recover medical costs, lost wages, and more.

Slip and fall accidents in California can lead to serious injuries, and property owners may be legally responsible if they failed to fix or warn about hazards. This blog post explains how these incidents fall under premises liability law, outlines the steps to take after a fall, and highlights what victims must prove to win compensation. Learn about common causes, legal deadlines, and how a Sacramento slip and fall attorney can help you build a strong case. With free consultations and no fee unless you win, The Choyce Law Firm is ready to fight for the compensation you deserve.

Accidents involving uninsured or underinsured drivers are common in California—and victims often don’t realize they can file a claim through their own insurance. This post explains what UM/UIM coverage is, how it works, and what to do after a crash with a driver who lacks sufficient insurance. It also breaks down the compensation available and how a personal injury attorney can help navigate disputes, delays, and deadlines. At The Choyce Law Firm, we help injured drivers in Sacramento get the support and financial recovery they deserve.

Understand the key differences between aggregate, per occurrence, and per person limits in your California auto insurance—and why legal help matters after an accident.

Thinking of hitting the open road? California motorcycle laws in 2025 bring important updates every rider should know—from license types and helmet rules to lane splitting safety and insurance requirements. Whether you’re a new rider, a parent of a teen motorcyclist, or someone injured in a crash, this guide breaks down everything you need to stay legal and protected on California roads

Swimming pool drowning accidents are a leading cause of death for children under 15, especially in California. Nearly 500 children under five drown in pools annually in the U.S., with many more treated for near-drowning injuries. Non-drowning accidents, such as hypoxia from lack of oxygen or diving injuries, can cause severe brain damage or spinal injuries. These accidents often involve premises liability, negligence, or defective products. Legal actions can be pursued if property owners fail to maintain safe environments or if faulty equipment is involved.

Victims or their families should preserve evidence, document the incident, and seek legal assistance immediately. Premises liability laws hold property owners responsible for dangerous conditions, while negligence and product liability claims may arise from inadequate supervision, unsafe installations, or defective equipment.

If you or a loved one has been injured in a swimming pool accident, it’s important to consult with a Sacramento accident attorney to explore your legal options and pursue compensation.

Hazardous roadway conditions in California, especially around Sacramento, pose significant risks to drivers and often lead to serious accidents. Key dangers include poor road maintenance (such as potholes and faded markings), inclement weather, construction zones, traffic congestion, defective road designs, and unmarked hazards. When accidents result from these conditions, determining liability can be complex, often involving government entities, construction companies, or even other drivers. California’s “comparative fault” rule allows for compensation reductions based on the degree of each party’s fault. To hold the liable parties accountable, it’s crucial to prove that they knew or should have known about the hazard, failed to take corrective action, and that this negligence directly led to the accident. An experienced Sacramento car accident attorney can help with this process by handling evidence collection, government claims, and negotiations with insurance companies, ultimately supporting victims in securing fair compensation.

California has strict ATV laws that regulate who can ride, where they can operate, and what safety measures are required. Whether you’re a recreational rider or someone injured in an ATV accident, understanding California ATV regulations is essential. If you’ve been hurt in an ATV crash, The Choyce Law Firm can help you explore your legal options. Contact us today for a free consultation at (916) 306-0636.

Filing personal injury claims against the State of California is more complicated than a typical lawsuit. Strict deadlines, government immunity laws, and complex legal procedures make it essential to have an experienced attorney on your side. Whether you’ve suffered injuries due to a slip and fall on public property, a car accident with a government vehicle, or dangerous road conditions, knowing your rights is crucial. At The Choyce Law Firm, we help injured victims navigate the claims process and fight for the compensation they deserve. Contact us today at (916) 306-0636 for a free consultation.

Insurance companies must follow specific timelines when handling claims to ensure prompt and fair processing. In California, insurers are required to acknowledge claims within 15 days, decide to accept or deny them within 40 days of receiving all necessary information, and issue payment within 30 days if approved. These regulations protect policyholders and ensure transparency throughout the process.

If an insurer fails to meet these deadlines or causes unreasonable delays, it may be a violation of state law. Understanding these timelines and seeking legal advice can help you hold insurers accountable and secure a timely resolution for your claim.

Mopeds in California are low-powered vehicles designed for short-distance travel. To qualify, they must have two or three wheels, an electric motor with automatic transmission, pedals if not fully motor-powered, and a top speed of 30 mph on flat terrain. These features distinguish mopeds from motorcycles and scooters, which have higher speeds and stricter licensing requirements.

As of January 2025, Senate Bill No. 1271 reclassifies high-powered electric bicycles that exceed certain speed and power limits as mopeds or motorcycles. This requires proper licensing, registration, and compliance with updated safety regulations. Riders must understand these changes to avoid penalties and ensure their vehicles meet California’s latest requirements. For more information, visit the California DMV website.

The period of time during which you can file a lawsuit varies depending on the type of legal claim. For example, with personal injury cases, you have two years to file from the time of the injury. If the injury was not discovered right away, then it is 1 year from the date the injury was discovered. For a breach of written contract, its four years from the date the contract was broken and two years for an oral contract. Any property damage lawsuits have 3 years from the date the damage occurred.

Car Accident Lawyer in Sacramento Rear-End Accidents in California At The Choyce Law Firm, we understand that being involved in a rear-end accident can be a traumatic experience, especially if you’re dealing with injuries caused by someone else’s negligence. One of the most common questions we hear is, “Who is at fault for a rear-end […]

California Leash Laws California does not have a statewide leash law, but most cities and counties — including Sacramento — require dogs to be leashed in public places. Violating these laws can lead to serious liability if the dog injures someone. In 2024, California introduced some updates to leash laws, particularly to enhance public safety […]

California has the country’s highest number of pedestrian fatalities, for the second year in a row. If you’ve been hit by a vehicle as a pedestrian, contact an experienced Sacramento auto accident attorney immediately.

There are many circumstances that may reasonably lead to a personal injury suit, but some are more common than others. Some of the most common types of personal injury claims are mentioned below. If you have found yourself in one of these situations, call a Sacramento personal injury lawyer immediately for legal representation.

California has some of the harshest penalties for driving under the influence. If you’ve been a victim of a drunk driving accident, contact a car accident lawyer in Sacramento immediately for help. California law prohibits drivers from operating a vehicle while under the influence of alcohol and/or drugs because of the severe devastating and life changing injuries that can occur from drunk driving accidents. Drunk driving fatalities in California in 2015 was 867, which is 28% of all total traffic deaths, a 4.6% increase from the year prior.