Why Do Insurance Companies in California Offer Low Settlements?

If you have been injured in an accident due to the fault of another party, you may be entitled to compensation for your damages through a personal injury claim or lawsuit.

Throughout your claim, you may find that the insurance company you are pursuing compensation from is offering you significantly less than the damages and or injuries that you sustained.

santa rosa injury attorney

This is not uncommon. Repeatedly, personal injury victims just you are subject to the same shoddy and unprofessional treatment or low-balling.  This is why you need a personal injury law firm like Fiumara and Milligan Law to help you through the claims process.

Insurance Companies are Preoccupied About Their Bottom Line

There is a common misunderstanding that insurance companies exist to reasonably settle claims for people who have suffered injuries, damages, and losses due to an accident.

They are in business to make a PROFIT and their first allegiance is to their stockholders. While it is true that insurance companies contribute to the overall compensation that victims receive the amount that they contribute initially is almost never enough. 

Much like any large corporation, insurance companies exist for one reason: to make money for their shareholders. Because they are beholden to these shareholders, the less money they pay out to you in claims means more profit, bonuses and dividends for their shareholders and executive board members.

In the end, the main goal of an insurance company is to reduce a settlement’s claim value as much as possible to increase their profits. To do this, they will use tactics and carefully planned strategies throughout your claim process to offer you the lowest possible settlement in hopes that you will accept it—many people do just that or give up—BUT NOT US!

santa rosa personal injury lawyer

Minor Cases are Vulnerable

If you are involved in an accident but only suffer “minor injuries” such as whiplash, contusions or abrasions you may be subject to receiving exceptionally low settlement offers because taking your case to trial won’t make economic sense for an attorney. This is usually the case in car accidents when the damage to a vehicle is minor, and whiplash or a similar injury was the only injury that was sustained.

In this situation, the insurance company fully understands that the attorney fees will likely exceed the money that the attorney would reasonably expect to make on the case. Because of this calculation the attorney and the claimant lose much of the leverage that they could have for a more serious injury case.

Revealing Too Much Information About Your Accident and Injuries

If you have been in an accident due to the negligence of another party, you should expect to be contacted by an agent of that party’s insurance company. One of the biggest mistakes that we see injured parties make during this early stage is to disclose too much information about their accident and their injuries with the opposing insurance company.

We highly recommend that you not speak to anyone about the specifics around your accident or injuries until you have first consulted with Fiumara and Milligan Law about your legal options.

Very often injured plaintiffs such as yourselves, will answer the questions asked of them by opposing insurance companies before the full extent of their damages or injuries are known. When this occurs, your claim can be damaged, and your compensation may be reduced as a result.

Don’t fall for the opposing agent’s request and then receiving your permission to participate in a taped telephone interview with you when you are under the care of a medical provider, in great pain, or on prescribed narcotics and can’t think clearly.

If you have been injured in an accident, do yourself a favor and schedule a FREE & CONFIDENTIAL NO OBLIGATON case evaluation with Fiumara and Milligan Law.

Santa Rosa Personal Injury Law

Handling Your Personal Injury Case Without a Lawyer

Attempting to handle your personal injury case without a lawyer is never a good idea. A common assumption people have is that they will be treated even though they do not have a lawyer.

This almost never the case. Insurance companies will often discourage you from hiring a lawyer for your personal injury claim because they know that you are not well versed in the legal process, the claims procedure and your rights.

Without a lawyer fighting for your rights every step of the way in your case, you will not have the leverage needed to recover FULL and FAIR compensation for you claim.  Don’t make this mistake.

Contact the Fiumara & Milligan Law Firm right away so one of their highly skilled and compassionate attorneys can immediately begin to protect you against unfair insurance offers.


Speak with A Personal Injury Lawyer at Fiumara and Milligan Law Today

Santa Rosa personal injury attorneys Michael A. Fiumara and Justin O. Milligan are experienced personal injury lawyers in Sonoma County that know how to deal with insurance companies. They will be there every step of the way to ensure that your rights are protected.

Call us today at 707-571-8600 and find out how we can help you!

Please see our dedicated personal injury page, CLICK HERE

Fourth of July Drowning Accidents in Northern California

As Independence Day gatherings of family and friends approach, it becomes increasingly important to be aware of the risk of child drowning incidents around pools and bodies of water.


Child Drowning Statistics

According to the U.S. Consumer Product Safety Commission (CPSC), an average of 26 children each year die in drowning incidents on the Fourth of July over the past three years in the United States.

In the United States accidental drowning is the second highest cause of death for children under the age of 14 right after traffic related accidents so it is a very real threat and must be taken seriously.

There has typically been a significant increase in the number of child drowning on this holiday each year, and there are several important steps that parents and guardians should take to avoid child accidents in the water.

Preventing Childhood Drowning

Below is an excerpt from the Pool Safely website with some safety tips and advice for parents and guardians:

Fiumara and Milligan Law reminds all families to take the following steps to ensure that their time at the pool is safe for everyone – not just during the July 4th holiday, but all year long:

-Stay Close, Be FULLY Alert and Watch Children in and Around the Pool.

-Never leave a child unattended in a pool or spa and always watch your children closely around all bodies of water, a child can easily drown in a few inches of water.


-Designate a water watcher to supervise children in the pool or spa. This person should not be reading, texting, using a smart phone or otherwise distracted. Adults can take turns being a Water Watcher—This is just a critical as a “DESIGNATED DRIVER” as in DUI!

-Teach children basic water safety tips. When in a boat always fit your child with a safety jacket.

-Keep children away from pool drains, pipes and other openings to avoid entrapments.

-Never swim alone. Have your child swim with others in pairs.

-Have a telephone close by when you or your family are using a pool or spa.

-If a child is missing, look for him or her in the pool or spa first.

-Share safety instructions with family, friends and neighbors.


 Learning and Practicing Water Safety Skills

-Learn how to swim and teach your child how to swim.

-Learn how to perform CPR on children and adults, and update those skills regularly.

-Understand the basics of life-saving so that you can assist in a pool emergency.

-Before sending your child to a swimming camp or any camp this summer check out their safety record and make sure that their staff and lifeguards are certified and attentive.

 Having the Appropriate Equipment for Your Pool or Spa

-Install a four-foot or taller fence around the perimeter of the pool and spa and use self-closing and self-latching gates; ask your neighbors to do the same at their pools.

-Install and use a lockable safety cover on your spa that is sturdy enough for a child’s weight.

-If your house serves as a fourth side of a fence around a pool, install and use a door or pool alarm.

-Always use pool and spa covers and maintain in good working order.

-Ensure any pool and spa you use has drain covers that comply with federal standards.  If not sure then ask your pool service provider.  Find out if these comply with the law.

-Have lifesaving equipment such as life vests, life rings, floats or a reaching pole available and easily accessible.


For more info on drowning and swimming pool accidents in the North Bay, please call Fiumara and Milligan Law at 707-571-8600 OR 415-492-4507 for a FREE case evaluation.

CLICK HERE for more info on drownings and swimming pool accidents in the North Bay and how Fiumara and Milligan Law can help!


Being hurt in a car accident can really throw a wrench in the gears of your life.

Aside from excruciating physical and emotional pain during your recovery and the frustration of lessened mobility and time away from work, you will also likely be faced with an enormous financial burden due to your resulting medical treatments.

medical bills

But who pays for these medical bills?

While an injury settlement or verdict at trial is something to look forward to it will take several years.  So, what do you do in the short run to help you cover your ever-increasing medical bills and costs?

Medical Payment Insurance Coverage: Many drivers in states that operate under traditional fault-based car insurance systems have medical payment insurance coverage, also known as “med pay.”

Med pay coverage will pay the medical bills of drivers and passengers injured while riding with the insured person up to the limits of the policy, which is usually less than $10,000. If your expenses exceed your policy’s limit, you will be responsible for paying the difference.

Many of our injured clients do not have med pay coverage and so they must rely exclusively on their own private medical coverage whether it be Kaiser, Blue Shield, Health Net, et al. Some clients without insurance must then apply for mediCal if they qualify.

The problem with this scenario is that your insurance company will have their hand out and want to be reimbursed from your settlement or verdict recovery.  But we know how to reduce their liens and handle this matter for our clients so they end up with more money in their pockets.

medical bills

Health insurance: If you do not have med pay coverage, or if your medical bills exceed its limits, your health insurance will cover your costs as the bills come due.  AGAIN, It’s important to note, however, that if your health insurer pays for your medical expenses, they may be entitled to reimbursement for these expenses out of your eventual settlement.

Medicare: Medicare will pay for the medical bills of eligible individuals as they are incurred. Like health insurance, Medicare is also entitled to reimbursement but usually at a much lower amount. However, this is a double sword in that low medical bills translates into an overall lower settlement.

Medicaid: Medicaid is a federal program which assists states in providing health insurance to people with low incomes. If you receive health insurance through a state-run program and are injured in an accident, that program will pay your medical bills. Again, like health insurance and Medicare, Medicaid is entitled to reimbursement for these costs.

Workers’ Compensation: If your car accident occurred during the scope of your occupation, your employer’s workers’ compensation insurer will likely cover all your medical expenses, rehabilitation costs, and transportation costs for all travel to and from your medical appointments.

medical bills


Unfortunately, dealing with insurance companies of any kind after a car accident can prove to be a long uphill battle.

If you have been injured in a car accident in Sonoma County, Marin County or anywhere throughout the North Bay, the personal injury attorneys at Fiumara and Milligan Law are here to help you 24/7. Call our office and one of our operators will connect you to an experienced personal injury attorney.  

Road Safety Tips to Avoid a New Year’s Car Accident In The North Bay

With compassionate guidance backed by 40+ years of combined personal injury experience, we can handle all the negotiations with the involved insurers on your behalf and work to make sure you receive access to the best medical treatment and reimbursement you deserve.

“The Right Personal Injury Attorney Makes All the Difference”

How to Win a School Expulsion Hearing in California

School expulsion is a black mark on a student’s record.

Students who are expelled not only have to attend a school out of the district, but an expulsion could also impact their ability to get into colleges, the military and the record often times comes up on background checks.

That is why you need to know that every student who is recommended for expulsion is entitled to a school expulsion hearing under the CA Education Code.

Santa Rosa education lawyer

At an expulsion hearing, you have the right to be represented by an attorney, but unlike in a criminal case, an attorney will not be provided to you if you do not hire one. If you want to win an expulsion hearing, you should speak to an experienced expulsion lawyer who can aggressively advocate for your minor child.

At Fiumara & Milligan Law, we have handled and Won numerous school expulsion cases throughout Sonoma County and Marin County for over 25 years. We know what it takes to WIN for our clients!

How School Expulsion Cases Work

Under California Education Code Section 48900, a student can be expelled for any number of reasons, including:

-Causing physical injury to another person

-Possessing a dangerous object

-Using or selling illegal substances

-Bullying, assault and battery

-Sexual assault crimes

However, once a student is recommended for expulsion, he or she has the right to request a a school expulsion hearing.

The hearing can be conducted by the governing board of the student’s school district, a panel of three appointees, the county hearing officer or an independent hearing officer.

At the hearing, testimony from any witnesses, including other students and teachers is heard. All rules of evidence are relaxed which gives a false impression that this is an informal proceeding, but it is not.

Santa Rosa education lawyer

How to Win a School Expulsion Hearing

The best thing you can do if you wish to obtain a favorable result at a school expulsion hearing is contact an experienced attorney to represent you and your minor child at the hearing. An expulsion hearing has some of the same aspects of a regular criminal trial, but not quite.   So you will want to be represented by someone who has years of experience successfully arguing for clients.

How can an experienced attorney make a difference at your school expulsion hearing?

First, your expulsion lawyer will interview you or your child about the alleged incident.  After learning the facts of the case, your attorney could determine whether the rights of the student have been violated based upon the strict timelines and procedures enacted in the CA Ed. Code.  

Minors in school have certain rights, but they are often violated by school officials or police at school. If your child’s rights have been violated, your lawyer may be able to get the recommendation for expulsion overturned or modified to a suspended expulsion instead.

Additionally, your school expulsion attorney will attempt to work with school and district officials to fashion a contract or a suspended expulsion agreement that avoids the harsh result and an adverse permanent record of an expulsion.  There are many options that may be agreeable to both the student and the school rather than going through the agonizing and protracted school expulsion hearing process.

Santa Rosa education lawyer

If an agreement can’t be reached, your lawyer will fight zealously on your behalf at the expulsion hearing. Your lawyer will attempt to present evidence and witness testimony that highlights your child’s good character and reputation while attacking the credibility of the accusations against him or her.

This approach often shows the administrators who hear these types of cases that there are less drastic alternatives to school discipline than an expulsion. 

Experienced school expulsion hearing attorneys in our law firm insist that school district administrators and teachers first exhaust other alternatives before expelling pupils under: 

Educ. Code §48900.5.

Suspension shall be imposed only when other means of correction fail to bring about proper conduct. However, a pupil, including an individual with exceptional needs, as defined in Section 56026, may be suspended for any of the reasons enumerated in Section 48900 upon a first offense, if the principal or superintendent of schools determines that the pupil violated subdivision (a), (b), (c), (d), or (e) of Section 48900 or that the pupil’s presence causes a danger to persons or property or threatens to disrupt the instructional process.

Santa Rosa education lawyer

Contact the School Expulsion Attorneys at Fiumara & Milligan Law Today

If your child is facing expulsion from school, you should contact an experienced school expulsion attorney immediately.

At Fiumara & Milligan Law, our skilled and knowledgeable lawyers have over 25 years of experience successfully representing clients facing expulsion from school. We’ve helped hundreds of students in their time of legal need, and we can help you or your child now.

Call us now at 707-571-8600 OR 415-492-4507 for a FREE consultation. We will get through this together.

For more info on Education law and how we can help you, CLICK HERE.

Judicial Council Rule, 5.664, Takes Effect July 1

The rule and the commentary around it are at:

The consensus about the training is that nobody is going to go around policing PUBLIC DEFENDERS OR PRIVATE JUVENILE DEFENDER offices or other offices to see what they are doing in terms of training for assignments, but COURTS can ask individual ATTORNEYS about training as specified in the rule.  It will probably play out differently in different courts.

Some COURTS may demand that every lawyer appearing before them must fill out the Judicial Council form with respect to training, and others may not.  In counties that do not have defender offices, there will probably be discussions about how to assure that someone is always available who is qualified and trained to represent youth.

santa rosa juvenile crimes lawyer

Again, longstanding practices will probably take a while to change in many places, but the hope is that they will change toward having sufficiently trained juvenile attorneys to cover juvenile hearings and appearances.   The requirements are not that difficult to meet, so a lot of this will be a cultural change both for the COURTS, PUBLIC DEFENDER OFFICES AND PRIVATE COUNSEL….

My hope is that the new Judicial Council Rule, will help to assure that anyone who “stands in” in any juvenile proceeding or hearing has had juvenile specific training.   The practice of “standing in” assumes that there are hearings in which it doesn’t really matter who is there with the minor/ juvenile client.   That simply is not true.  I have seen so many supposedly “routine” stand ins on continuances or review hearings in which something unexpected happened!   You thought it was just a continuance, but it wasn’t.  The lawyer standing in there needs to know the law and respond quickly.

You also need someone trained in interviewing and working with adolescent clients to explain what is going on with the client and to assure that the client’s interests are asserted.

For example, even when it is “just a continuance,” that may mean additional weeks of incarceration for a young person.  You cannot just have any old lawyer present or “standing in” – Counsel needs to be someone who knows the timelines and rules for juvenile cases, and who can clearly explain them to the client so a command of Spanish can be vital if translation and interpretation services are limited as they can be in counties with limited resources.

santa rosa juvenile crimes lawyer

All the staff at Fiumara & Milligan Law, PC Speaks fluent Spanish as does Mr. Fiumara.

We don’t rest upon our laurels—we keep current and on top of cutting edge changes in the law to better serve our clients.  Without our clients, we are not in business. Clients come first at Fiumara & Milligan Law.


Since 1992, Fiumara & Milligan Law, PC has been highly regarded as a full-service personal injury bilingual law firm that specializes in the handling of all major accident and catastrophic injury cases including crosswalk injury accidents and wrongful death.

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Unfortunately, much too often, drivers do not pay attention to pedestrians in the crosswalk. In the above mentioned case, a 9-year-old girl was crossing Claremont Avenue in Berkeley, California with her mother when she was struck by a car and seriously injured with two broken legs. The girl was in the marked crosswalk but the driver of the vehicle failed to yield!

Whether injured by a vehicle or if there is a property defect, a pedestrian may recover damages for the injuries suffered if someone else’s negligence caused or contributed to the incident as in this case.

santa rosa injury attorney

Here, in the case of the 9 year old girl, the driver who failed to yield, (not acting reasonably), is at fault. Under the law, to establish negligence and fault in a crosswalk or pedestrian accident case the injured party or plaintiff must prove the following in order to prevail:

  1. The driver, (defendant driver) owed a legal duty to the plaintiff, the little girl;
  2. The driver (defendant) failed to fulfill (“breached”) that legal duty through action or inaction-

In this case failing to yield per the CA Vehicle Code;

  1. The driver, (defendant driver) caused the accident or injury (broken bones) involving the plaintiff
  2. The driver, (defendant driver) harmed or injured the plaintiff, (9 year old girl).

santa rosa injury attorney

When a pedestrian is injured in an accident there may be more than one party with legal responsibility for the accident. However, in this case, that is not true, but in general depending upon the circumstances, potential liable parties could include the following:

  1. The driver of the vehicle that strikes the pedestrian as in this case.
  2. The party responsible for maintaining the sidewalk or crosswalk or road or parking lot where the injury accident occurred.
  3. The pedestrian himself or herself—but in this case the 9-year-old girl was accompanied by her mother in a clearly marked crosswalk–there doesn’t appear to be any fault attributed to their actions.

However, we don’t know all the facts because there may have been a defective signal or light or some other extraneous or contributing cause or circumstance? However, in this case, it appears that the driver of the vehicle had negligently operated his vehicle and hence will be legally liable to pay damages for personal and property injury/damage caused by that negligence.

santa rosa injury attorney

Usually the motor vehicle driver is insured and their insurance carrier will eventually pay for all expenses, medical treatment and care related to the accident and pay for lost wages, future lost wages and pain and suffering for the injured plaintiff.


We recommend that you do the following:

  1. Immediately call the police.
  2. Don’t leave the scene of the accident before help arrives.
  3. Gather names, phone numbers, and any other information from any and all witnesses.
  4. Don’t make any statements to anyone including drivers and insurers.
  5. Take down as much information about the location, the addresses, circumstances surrounding the accident including taking any photographs on your iPhone or Android along with videos if you remember to do this to document the event later.


If you or somebody that you love has been injured in a pedestrian or crosswalk accident you may be wondering what to do next. Since there are statutes of limitations and other barriers, you only have a set amount of time to bring a claim for your injuries. Thankfully, you can have one of our highly skilled and experienced attorneys at Fiumara & Milligan Law, PC provide you with a free consultation and case evaluation. Then, you will have a clear idea of what your next step should be, while you focus on a speedy recovery and getting your health back on track.

santa rosa injury attorney

Please feel free to contact us. Please call our offices at (707) 571-8600 in our centrally located Santa Rosa office in Sonoma County or call our office in San Rafael in Marin County at (415) 492-4507 to schedule a free and confidential case evaluation. “The right attorney makes all the difference.”

Please CLICK HERE to view more information on how we can help with any crosswalk accident you may have been involved in.

Community: Criminal Threats Arrest by the Santa Rosa Police. Criminal Threats Arrest /Case #16-3375

THESE are the Typical kinds of criminal cases Fiumara & Milligan Law, PC has been handling successfully for accused defendants for over 24 years since the Firm opened its doors in 1992:

422 PC Criminal Terrorist Threats
1203.2 PC Violation of Probation
25850(a) PC Possession of a Loaded Firearm in a vehicle

The most important decision that you need to get right is choosing an attorney who has the skill and experience needed to help you, along with the commitment to your case necessary to secure the best possible resolution.

Why risk jail or worse? Your liberty and freedom are priceless and you deserve aggressive, but yet compassionate legal counsel who will zealously represent you and force the prosecution to prove every element of the crime beyond a reasonable doubt.

On March 10th 2016, a Santa Rosa Police Officer was dispatched to contact a female victim who was reporting that her estranged husband was making criminal threats toward her. The suspect, identified as Brian Eduardo Munoz (21yrs), was sending multiple text messages to the victim indicating that he intended to harm her.

The victim was in fear for her safety. Munoz then sent the victim a series of texts and video messages in which he displayed a shotgun and ammunition. Munoz implied that he intended to shoot her with the shotgun in his possession.

During the course of the investigation, officers learned that Munoz was driving in his vehicle, searching for the victim. Through his messages, it was determined that he was attempting to find the victim at her residence and also her parents’ residence. Officers conducted an area check for Munoz and his vehicle. They eventually located Munoz’s vehicle parked in front of his residence in Santa Rosa.

Officers approached the vehicle and located a male sitting in the front passenger seat. That male was subsequently determined to be a relative of Munoz. As the officers detained that subject, Munoz suddenly appeared from inside of his residence and walked outside. He was safely taken into custody without incident. Officers located a shotgun inside of Munoz’s home that was believed to be the same one that he threatened the victim with.

Munoz was arrested and booked at the Sonoma County Jail on the following charges:

422 PC Criminal Terrorist Threats
1203.2 PC Violation of Probation
25850(a) PC Possession of a Loaded Firearm in a vehicle

Don’t risk going to jail or having your liberty taken from you! Please feel free to make an appointment. We will gladly provide you with a free confidential consultation and case evaluation.

“Lawyer-up” with the experienced and highly skilled criminal defense attorneys from Fiumara & Milligan Law, PC with two conveniently located offices, one in Central Santa Rosa and the other in San Rafael.

Please call our office today at (707) 571-8600 in our centrally located Santa Rosa office in Sonoma County or call our office in San Rafael in Marin County at (415) 492-4507 to schedule a free and confidential case evaluation.

Don’t bargain with your freedom! The right attorney makes all the difference between your freedom and incarceration!


The three main types of distractions while driving include:

(1)  Visual—Taking your eyes off of the road.

(2)  Manual—Taking your hands off the wheel.

(3)  Cognitive—Taking your mind off of driving. 

While any single type of distraction will endanger the driver and others, texting while driving is the MOST dangerous because it is not only visual, manual, but cognitive at the same time!  Don’t text and drive!!


Texting while walking across the street or even in a crosswalk is dangerous and potentially deadly!  Many of our clients who are struck in the crosswalk where they have a legal right to safely walk are demonized by the opposing insurance carrier for not paying attention! 


In other words, the opposing insurance carrier will be successful at decreasing the amount of compensation you receive because you will be deemed contributorily negligent.  Your compensation will be reduced by your fault which will be apportioned by some formula. But we know how to fight that argument.

Hence, paying attention and NOT using your electronic devices while crossing a street or crosswalk not only helps to avoid a pedestrian accident but if there is one, increases the value of your own personal injury case enormously.  Insurance companies and their adjustors are very crafty and know how to demonize the victim.  Don’t be victimized by an unscrupulous insurance adjustor or insurance carrier. 

Please schedule an appointment with one of our highly skilled and experienced attorneys for a free and confidential consultation if you are the victim of a hit and run, crosswalk accident, pedestrian accident or you were struck by a vehicle while riding your bicycle, pushing a stroller, riding a skateboard or hoverboard.   


We are here to assist you in any way possible.  Please feel free to call us at (707) 571-8600 and (415) 492-4507 in Marin County. “The Right Law Firm Makes All the Difference!”

Dog Bite Liability in California

When you’re attacked by a dog, it’s natural to have questions. For instance, you probably wonder why the dog bit you, if you ignored the warning signs of an attack, what’s going to happen to the dog, and what kind of treatment you’ll have to endure for your wounds.

Next, your mind will probably travel to the topic of costs, and whether or not you’ll be held responsible for the medical bills from the attack. Fortunately, because of California’s strict liability law, the owner of the dog will likely be held liable for the attack.

Dog Bite Liability in California

Strict Liability

The strict liability law is good news for dog bite victims, but owners of dogs who bite may not feel the same way.

The strict liability law essentially holds the attacking dog’s owner responsible for the dog’s behavior. The dog’s owner cannot escape liability for the attack by claiming that he didn’t know the dog would bite, or that their dog has never attacked or bit anyone before.

Whether the dog has a history of aggression or not, the owner is responsible. The dog’s owner is responsible for all costs and expenses related to the bite.

They usually include but are not limited to: ambulance and medic bills, medical bills from the doctor or hospital and lost wages due to the injury.

Dog Bite Liability in California


Even if owners do all that they can to restrain their dogs with leashes, fences, or gates, they are still negligent or responsible if their dogs attack or bite—the reason for STRICT LIABILITY…

A few exceptions to this law do exist, however. Trespassers who are attacked by dogs are not protected by the strict liability law, and neither are veterinarians who are injured while treating the dogs.

Those who provoke dogs to act aggressively by hitting them or displaying other behaviors are not protected by this law and may not have rights to pursue legal action.

Dog Bite Liability in California

Dog Bite Victims Have Rights

While some dog bites are minor, others can be severe and life-changing.

Along with the physical pain of the bite, you may also have endured emotional pain or mental anguish particularly if the bite creates a noticeable scar that alters your appearance.

Further the attack may have caused you to suffer Post Traumatic Stress Syndrome. You don’t have to suffer in silence—you have the legal right to hold the dog owner fully responsible for your physical and mental pain and suffering and all of your costs, expenses, lost wages and future losses if related to the dog bite and or attack!

We have successfully handled dozens of dog bite and animal attack cases since 1992 and we would be happy to offer you a free and confidential consultation with our experienced and skilled personal injury attorneys.

Dog Bite Liability in California

The attorneys at Fiumara & Milligan Law, PC will fight for your rights.

Contact us today by calling 707-571-8600 OR 415-492-4507. We have helped numerous accident and injury victims get back on their feet and on with their lives.

How Insurance Adjusters Work When Evaluating Your Accident Claim

The role of an insurance provider is twofold; to sell you on an insurance plan or police that provides the required coverage and to make sure as little is lost through future accidents. The role of an insurance adjuster is to determine how much the insurance company will settle for in the future.

The first number that they offer to settle a claim is oftentimes what I refer to as a “low-ball” guestimate or ballpark. Sometimes, it is thrown out to see what the parties are made of what the insured’s reaction would be at this first attempt to settle their claim.

While many people leave it up to their insurance company to handle any and all payments associated with an accident, others are rightfully turning to the advice of local attorneys such as ourselves to fight for them. For this reason, it is incredibly important that you have your claim looked over carefully by your attorney.

santa rosa injury attorney

So, how does the process work?

The first thing that is usually itemized are medical bills and records that relate to the accident which may have been paid out. The adjusters will carefully go through what medical evidence exists and attempt to find holes, gaps and any inconsistencies that they can use to justify rejecting your claim, reducing it or requesting additional documentation and information thus stalling your eventual payment. This deliberate delay and stall in your compensation can discourage many legitimate claimants.

More often than not, the adjusters will search for alternative explanations for what may have caused the physical injuries so as to justify non-payment of your claim. For example, suppose that your legs were seriously injured during your car accident– a crafty insurance adjuster might make a convincing argument that the injury to your legs was caused by the cumulative years of your love of running, and not by the traumatic impact of the accident that you just sustained!

In these cases, the insurance company will do its best not to pay the claim, saving themselves money through the process.

santa rosa injury attorney


If your claim is somehow higher than the average claim, this may also raise a “red Flag” or the ire of a claims adjuster. It is similar to the IRS if an insurance carrier and its agents identify a number or figure that is “out of the ordinary” or slightly higher than the standard average median they will “red flag” your entire claim for further investigation.

They are quick to label any “high” amount claim as fraudulent and then begin the hardball and investigatory process which further slows down your compensation payout. It is therefore advisable to hire experienced counsel to cut right through this self-serving nonsense.

Regardless of the reasons why an insurance company may be fighting you for a payout, you will need assistance.

santa rosa injury attorney

With countless years of experience helping David fight Goliath, we here at Fiumara & Milligan Law, PC strongly believe in your right for professional and legal counsel.

Don’t allow the big insurance carriers and their skilled and well-trained adjusters push you around and deny you the full compensation that you deserve and are legally entitled to receive for your injuries! YOU have been paying into the ‘system’ for a long time and it’s now your turn to benefit from having paid your high insurance premiums for all these years!

My adage and what I commonly say is: The insurance companies are quick to take your money and hand you an umbrella, but they are even quicker to snatch it back when it rains! When it “pours” their tactics get even worse.

Instead of getting taken advantage of go with a team that will put your best interests ahead of shareholder profits. We will help fight for you throughout the entire process keeping in mind YOUR needs. WE believe in evening the playing field for your benefit.

santa rosa injury attorney

Contact our personal injury attorneys today at 707-571-8600 OR 415-492-4507 for a free and confidential consultation.

We serve the great people of Sonoma County, Marin County and the entire North Bay and have been doing so since 1992!